manynovel Chapter 826 City Commercial Bank
Chapter 826 City Commercial Bank
As soon as you enter the car, the cool cold wind makes you breathe easily, and the heat all over your body disappears without a trace.
"Where are your two assistants?" Su Aijun asked with a smile, "Why didn't you see it this time?"
"After leaving the airport, let them go back to their respective homes and find their respective mothers. I won't be here for long this time, and there are still a lot of things to do. If they don't hurry up, I'm afraid they will have to pass through the door like the ancients. "Fang Mingyuan said, "I don't want to turn around and have two mothers come to my door and say that I am unkind."
"Secretary Gu, can you increase the loan amount of the Tongyi branch of the Bank of Communications? Now we have many business owners here who have projects but can't get loans." Su Aijun said to Gu Yucheng, "And , your bank can't just focus on big customers, the development of small and medium-sized enterprises also needs loan support from the bank."
Gu Yucheng smiled wryly and said: "Secretary Su, you have given me a problem. The loan amount of Tongyi Branch has been specially approved by the branch. Okay, I will think of a way later, and the loan amount for Tongyi Branch Improve it a bit. As for the development loans for small and medium-sized enterprises, Secretary Su, we can’t even fully meet the loan needs of major customers, so how can we still have the energy to take care of small and medium-sized enterprises?”
"Uncle Gu is saying that my family has taken up most of the loan!" Fang Mingyuan laughed.Tongyi itself was originally an agricultural county, and apart from a winery and a cement factory, there were no decent enterprises in the county.Naturally, it is impossible to have any large-scale state-owned enterprises.After the establishment of Tongyi, the cement factory was still a municipal enterprise, and other enterprises were basically private and joint ventures.Among them, the enterprises under the Fang family undoubtedly accounted for the majority.
Gu Yucheng laughed twice, and came to acquiesce.These industries of the Fang family are major customers of the Bank of Communications, and the company's finances are stable.The growth rate is good, and there is no worry about not being able to recover the loan at all. Banks naturally like to lend money to such enterprises.And those small and medium-sized enterprises not only have many procedures, but also have certain risks!
"Uncle Su, as the saying goes, the big shop bullies the customers, and the big customer bullies the store. If a behemoth like the Bank of Communications is used to serve those small and medium-sized enterprises, they will think that it is an overkill to kill chickens. And from a certain point of view, it is useless for them to do so. Wrong." Fang Mingyuan laughed. "If you ask them to increase the loan amount, I'm afraid that the increase will not end up in the hands of small and medium-sized enterprises."
"From which point of view, they are not wrong?" Su Aijun frowned and said, "The [-]th rule?"
"Uncle Su is wise!" Fang Mingyuan applauded immediately.
The 80:20 rule is the [-]:[-] rule, because it was proposed by the Italian statistician and economist Wilfredo Pareto in the early [-]th century, and it is also called the Pareto rule and the Pareto law.Of course, some people call it Jewish law.
Pareto's law, referring to any given group.Important factors usually only account for a minority, while unimportant factors account for the majority, so as long as the few important factors can be controlled, the overall situation can be controlled.
而帕累托法则在管理学界中的体现，就是二八法则。即80.00%的公司利润来自占客户总数20.00%的重要客户，其余20.00%的利润则来自其余的80.00%的普通客户。80.00%的公司产品，却只创造了20.00%的公司利润，而80.00%的利润则是由20.00%的公司核心产品创造。
As for why it is called the Jewish law.It is because the Jews believe that there is a 78 to 22 law of the universe, and there are many things in this world.They all exist at a ratio of 78:22.For example, in the air, nitrogen accounts for 70.00%20.00, oxygen and other gases account for 20.00%70.00. 70.00% of the industry basically accounts for about 70.00% of the living consumption, while men earn [-]% of the world's money, but women consume [-]% of the world's money!Therefore, most of the traditional business fields of Jewish merchants are concentrated in catering, clothing, jewelry, construction, and medicine, especially in women's and children's products.
And if a company wants to prosper, it must firmly grasp 20.00% of important customers, and then develop the 80.00% of ordinary customers.
"Let's not talk about medium-sized enterprises, let's talk about those small enterprises first. The annual sales revenue of these enterprises generally does not exceed 500 million yuan. They often lack basic information, the enterprise information is not transparent, the financial data of the enterprise is inaccurate, and even Untrue and incomplete! It is difficult for the bank to evaluate its repayment ability and credit risk with conventional methods! I am right, Uncle Gu." Fang Mingyuan said.
"That's true!" Gu Yucheng nodded and said, "Moreover, these enterprises are small in scale, have few fixed assets, lack of effective collateral, and often cannot find guarantees. In this way, it is difficult for banks to control the risk of loans. Their loan requirements The procedures are simple, quick borrowing and quick repayment, and it has the characteristics of small loan amount, wide coverage and short loan period. In this way, compared with handling large-amount loans, the workload of the bank is heavy and the cost is also high. Therefore, from In terms of economic benefits, we are not willing to handle this kind of business.”
Su Aijun pondered for a moment, he also understood the principle of the [-]th rule, and he also admitted that this rule is indeed reasonable, even in his work, he must focus on the big and let go of the small, and it is impossible to be respectful in everything.He can also think of the difficulties mentioned by Gu Yucheng, but...if big banks like the Bank of Communications follow the [-]th rule, then where can those small and medium-sized enterprises obtain the funds they need for development?Without the development of small and medium-sized enterprises, how can the real development of a city come about?How to ensure the employment of citizens?Besides, many of those big companies were also developed by small and medium-sized enterprises.Isn't this the case with Carrefour Supermarket Group and Fangjia Restaurant?
"Uncle Su, the funds needed for the development of small and medium-sized enterprises, in fact, there are several ways, either to win venture capital funds, or private loans, or we establish a city commercial bank specially for local enterprises! In practice, big banks receive big customers, The policy for small and medium-sized enterprises to find small and medium-sized banks." Fang Mingyuan said, "I think the time is ripe for us to establish Tongyi Commercial Bank."
Don't say that compared with the United States, which has tens of thousands of banks, or Hong Kong, which has more than 140 banks, Huaxia's banking industry can only be said to have very few members.In addition to large state-owned banks like the Bank of Communications, there are only a dozen joint-stock commercial banks, and there are more than 100 city commercial banks that have evolved from urban credit unions.
Since Huaxia and the United States are both large countries with vast land area and large population, Fang Mingyuan believes that the commercial banking system in the United States can be used as a reference for Huaxia's banking industry, so Fang Mingyuan once paid attention to American community banks. The term "community" here is not a strictly defined geographical concept. It can refer to a province, a city or a county, or an area where urban or rural residents live together.In the United States, all local small and medium-sized commercial banks with small assets and mainly serving small and medium-sized enterprises and households in the operating area can be called community banks.To put it bluntly, it is a small and medium-sized commercial bank.
These community banks are generally founded by local people, mainly serve local people, and are closely connected with the local economy.In the United States, those big banks mainly serve high-end corporate customers, so community banks familiar with local conditions have naturally become the main lenders for local SMEs.According to the data of the U.S. Small and Medium Business Administration, in the United States, 60.00% to [-]% of the loans needed by small and medium-sized enterprises are provided by community banks.
Because they know more about the specific situation of these small and medium-sized enterprises, understand the needs of these enterprises, and understand the character of the business owners instead of being like those big banks hiding in high-rise buildings, just because your credit record does not meet the specified strict standards. He refused mercilessly.
In Huaxia, urban credit unions originally assumed the task of lending to small and medium-sized enterprises. However, due to the lack of distinction between government and enterprises, these credit unions are subject to too much government control, with irregular management, low operating standards, and inability to operate independently. Most of the loans issued have not been used in the right way, resulting in a high proportion of non-performing assets, poor ability to resist risks, and a considerable financial risk!
At the end of the last century, the State Council and the Central Bank stopped the approval of urban credit cooperatives and reorganized some of the current urban credit cooperatives into urban commercial banks.
In Tongyi, there is also a credit union, with only five or six pitiful business outlets, dozens of employees, and no net assets of even ten million yuan.
Su Aijun and Gu Yucheng were stunned for a moment. Fang Mingyuan had mentioned this topic before, but it was just a mention. It seems that this time it is going to be serious?
"The Second Gulf Bank, Jimin Bank, our Fang family, the Zhao family, and some companies in Tongyi and Pingchuan can all contribute capital. Uncle Gu, is your bank interested in participating?" Fang Mingyuan said, "If If you are interested and responsible, you can be the largest shareholder."
"What does it mean to be responsible?" Gu Yucheng was a little confused.
"In order to relieve depositors from worrying about the safety of their funds, I believe that the shareholders serving as the chairman and directors should be fully responsible for repaying the unpaid debts in case the bank needs to be liquidated." Fang Mingyuan said, "I can represent Fang This promise is made by Jiajia and the Second Gulf Bank." Fang Mingyuan said, "Also, I request to acquire the existing assets of Tongyi Credit Cooperative from the government. The state-owned capital will withdraw from the future Tongyi City Commercial Bank." (to be completed) continued..)