Lord Snow Eagle

, Legend of the Dragon King

, super soldier

, Cultivation: Overturning the Rain and Turning the Clouds

, Martial Arts Supreme

, Eternal Night King

, my neighbor is a banshee

, fairy wood legend

In a busy Spring Festival, March will end in a blink of an eye.

Yexin Bank began to prepare for the domestic listing after the year. At the same time, it officially reduced the scale of lending in Donghua and controlled financial risks, which made the development and construction funds of Meixi and Xinpu suddenly tightened.

Key projects such as the east extension of Xudong Railway, Haiphong Highway, Hengyang Heavy Industry, and Zhunan Refining and Chemical Base have all raised funds in advance and started construction on schedule. However, projects such as Xinpu Container Terminal and Phase I of Reclamation are still affected, and debts are considered. Due to factors such as scale control, construction has been postponed.

As the first joint-stock commercial bank in China with foreign equity participation, Yexin Bank invested less than 500 million in capital before and after focusing on the development of financial business in the Huaihai Bay area. From 1993 to March 1997, Yexin Bank has developed more than 50 business outlets in Huaihai Province, with a net asset of 1.2 billion, a total social deposit of 12 billion, and a total loan of 10 billion. .

As one of the four major state-owned commercial banks, China Construction Bank, which has more than 40 years of development history, has only 10 billion in loans in Huaihai Province during the same period.

Half of Yexin Bank's achievements in Huaihai Province were achieved with the rapid development of Donghua; Yexin Bank's sudden shrinking of the scale of lending in Donghua, in the eyes of uninformed people, is naturally considered quite unkind.

At the end of March, Yao Ronghua, on behalf of Yexin Bank, rushed to Donghua to participate in the preparatory meeting of the city commercial bank. Some officials of the city's People's Bank publicly discussed the matter, and there were a lot of accusations in his words.

The Municipal People's Bank does not directly engage in financial business such as deposits and loans, but has the responsibility of supervising, guiding and managing the development of the regional banking industry, and it can be said that it is the supervisory department of the local banking industry.

Yexin Bank's shrinking of the scale of loans in Donghua will limit the rapid development of the banking industry in Donghua City, and may even transfer the deposits absorbed from Donghua to other places. Except for other municipal commercial banks that have direct competition with Yexin Bank, the Municipal People's Bank and the local government would not want to see this situation.

After preparing for the conference, Yao Ronghua also smiled leniently in the face of some officials from the city's People's Bank. After a few words of greetings, he left the venue with Shen Huai, Xiong Wenbin, and Chen Bing.

"The establishment of a city commercial bank is imminent, and all parties will inject 200 million yuan of funds, but there are 400 million yuan of problem loans to digest and clear, and to fill the space after the shrinkage of industry credit. The pressure on capital is enormous," Shen Huai walked out. At the venue, he said to Yao Ronghua, "Yexin Bank is now shrinking its lending to Donghua enterprises and local development and construction. Can it release 200 million bond financing to city commercial banks?"

"You really know how to take advantage of loopholes," Yao Ronghua shook his head and smiled, "But this, I can try to push it, it's not impossible."

"Don't talk about trying," Shen Huai said, "Yexin holds 30% of the shares of the city commercial bank. In addition to the two seats on the board of directors, a management team of 20 people led by President Zhang has been stationed to comprehensively rectify the business. The city commercial bank is now almost a It is entrusted to Yexin for management, and Yexin Bank is still worried about the risk of debt financing, so I have nothing to say here..."

The registered capital of the city commercial bank is tentatively set at 300 million yuan. Except for the original city credit union, which was converted into 90 million yuan in net assets and held by Donghua Jingtou, the rest of the registered capital comes from Yexin Bank and Zhujiang. Investment and listed company Meixi Industry.

During the process of additional issuance and reorganization, the listed company raised a total of 730 million yuan from Meigang and Xucheng local securities institutions.

After paying a backdoor price of 400 million in exchange for 400 million legal person shares in the listed company, the short-term capital potential of Meishan Iron and Steel Group has been exhausted, and there is no possibility of continuing to expand investment.

However, although the 730 million cash held by the listed company was agreed to be mainly used for the construction of the Zhunan Refining and Chemical Base, 90 million from it to participate in the capital injection of Donghua City Commercial Bank can be regarded as a legitimate equity investment.

At the beginning of the construction of the Zhunan Refining and Chemical Base, such a large amount of capital was far from needed. It is better to invest it instead of depositing the poor interest in the bank account.

After all the assets of Meishan Steel's No. 1 and No. 2 factories were injected into the listed company, the continuous profits generated every month would be owned by the listed company.

It is expected that Meishan Steel's No. 1 and No. 2 plants will generate three to four net profits during the construction of the Zhunan Refining and Chemical Base. During this period, the corresponding precipitation funds should be taken out to find other reasonable investment channels. financial attitude.

Although Meigang Group, Zhongxin, Hongji, Zhujiang, etc. hold 1.2 billion shares of various types of listed companies, they have absolute right to speak, but for related investment plans, Meigang still joins Xucheng in the listing. The company's securities institutions have discussed.

To maintain the current stock price of listed companies, it is not enough to rely on the profits of Meishan Iron and Steel Plants 1 and 2, and the profit expectations of the Zhunan Refining and Chemical Project are not very obvious. The current booming banking industry is an extremely important factor. investment channels.

Although state-owned commercial banks have many problems with bad debts, medium-sized commercial banks such as Yexin Bank have experienced rapid asset appreciation, and the annual growth rate of their net assets is almost 40 to 50 percent.

Donghua City Commercial Bank almost completely adopts the mature management team of Yexin Bank, and is rooted in Donghua, which is the fastest developing city in Huaihai Province.

If it weren't for the city commercial banks' strict restrictions on the entry of private capital, the quotas were all used up by local enterprises in Donghua, and the securities institutions in Xucheng wanted to directly participate in the investment in Donghua city commercial banks. Talking is better than nothing.

In addition, even if Zhujiang Investment invested 30 million yuan to participate in the capital injection of the city commercial bank, holding 10% of the equity, it can only be considered better than nothing.

As representatives of Donghua local private capital, Chu Yiliang, Zhou Jia, Zhu Li, and Yang Haipeng are behind Zhujiang Investment and develop rapidly. Construction, the capital potential of Zhujiang Investment has also been exhausted.

Although Zhujiang Investment directly holds 80 million shares of listed companies with a market value of 400 million, but due to the shrinking of Yexin's lending scale in Donghua, Zhujiang Investment owns this equity asset, and there is no way to mortgage it for the time being. .

After the establishment of the city commercial bank, in addition to the fixed assets of nearly 100 million, only 200 million of the capital can be used for expansion. For a local commercial bank, it is already a pretty good starting point.

At present, the domestic capital adequacy ratio for local commercial banks only needs to reach 5%, that is, Donghua City Commercial Bank can theoretically support a total asset scale of 6 billion, that is, build another Yexin Bank in Donghua.

To really put it into practice, city commercial banks should expand at the speed of Yexin's development in Donghua in the past two years, and the capital of 200 million is seriously insufficient; so Shen Huai proposed that Yexin Bank can provide city commercial banks with an additional 200 million yuan. long-term bond financing.

The risk level of banks' asset risk management, lending to enterprises and lending to interbank banks is completely different.

Yexin Bank has curtailed lending to Donghua City's enterprises and local infrastructure projects, but it does not strictly limit bond financing to Donghua City's city commercial banks. Yao Ronghua has to admit that Shen Huai and the others have turned their minds fast enough to do everything possible. To increase the money supply in Meixi and Xinpu.

However, Yao Ronghua had no way to settle this issue face to face.

Debt financing between banks requires the approval of the head office, and whether it can be completed in the end depends on the attitude of the head office. He is only responsible for the work.

In short, the city commercial bank now has 200 million yuan of funds to support, and it takes a process to expand and expand, and there is no problem with the two million yuan financing debt being delayed for a year and a half.

When it was over, Yao Ronghua said to Shen Huai: "The establishment of a city commercial bank is imminent, and in the direction of future operation, I personally advocate to support small and medium-sized enterprises more strongly. At present, Donghua's economy mainly relies on Meishan Iron and Steel, Provincial Iron and Steel, Baohe , Huaineng and other large enterprises have supported a relatively grand framework, which can be said to be a very successful model. However, it is still difficult to have a strong skeleton and rich texture without sufficient support from small and medium-sized enterprises, economic vitality and employment adequacy rate. Sufficient improvement…”

Shen Huai nodded. The entire iron and steel manufacturing industry in Donghua City is mainly supported by Meishan Iron and Steel, Provincial Iron and Steel, Fuji Iron and Steel, Huailian Heavy Industry and other companies. About 80% of the output value is shared by these companies, but in the field of steel finishing, In the Meixi Iron and Steel Industrial Park alone, more than 100 small and medium-sized enterprises have gathered in the past few years.

This is also the role of the wealth accumulation demonstration effect. Which industry has high profits can quickly attract a large amount of private capital to enter, which is almost a common situation in China.

Of course, the basic steelmaking and heavy manufacturing industries have relatively high thresholds for capital and technology, but relatively scattered finishing and application fields have become the core areas for private capital to enter.

After the 100,000 stainless steel refining line of Meishan Iron and Steel Plant No. 3 was put into operation, Meixi quickly attracted more than ten stainless steel manufacturing enterprises to enter. Xinpu Steel Plant has not yet been completed and put into operation, but there are more than 30 supporting and downstream small and medium-sized enterprises in Lingang Metallurgical Industrial Park.

It's just that Donghua and the private capital that invested in Donghua's steel manufacturing industry are mostly weak. The total investment of the 100 enterprises in Meixi Iron and Steel Industrial Park, except for a few large enterprises such as Huailian Heavy Industry, is less than one billion yuan. .

On the one hand, small and medium-sized enterprises are extremely hungry for funds. On the other hand, domestic bank loans are too much for state-owned enterprises, large-scale industries, and infrastructure projects, and the support for small and medium-sized enterprises is seriously insufficient. In recent years, the annual interest rate of Donghua's private loans has been high. maintained at a height of 20 to 30 percent.

At this time, Meishan Iron and Steel is trying to extend upstream, but supporting downstream industrial clusters can also further ensure the safety of Meishan Iron and Steel's downstream market. This work was neglected before, and now it is time to strengthen it.

In addition, UU reading www.uukanshu. Although the investment and taxation of these small and medium-sized enterprises may not be as large as that of Meigang, the jobs created are five or six times that of Meigang.

Although local governments regard investment promotion as the core of their current work, some media at home and abroad have criticized them for not paying enough attention to people's livelihood, but these media rarely realize that the core issue of people's livelihood is employment, which has returned to economic development.

When it comes to employment, Shen Huai is also quite proud, and laughed with Xiong Wenbin and others: "Meixi New District has created more than 100,000 jobs over the years. This can be regarded as reducing the pressure to the maximum extent for the restructuring of state-owned enterprises, right? This is really called Gao Tianhe and the others got a bargain..."

Xiong Wenbin smiled. The operating conditions of state-owned enterprises in Donghua City have also changed a lot in the past two years. Even if some burdens must be resolutely thrown away, there are only three to five thousand employees who are laid off every year. As far as the development speed of Meixi New District is concerned, it is enough to digest.

The rapid increase in fiscal revenue can also provide corresponding living guarantees for laid-off workers who cannot find jobs for a while.

It can be said that the restructuring of Donghua's state-owned enterprises will be the least difficult among the 13 cities in the province, so it is also the first to be fully launched.

Now this work is assigned to Gao Tianhe and Han Shouchun, which can be regarded as a good fruit for them to pick.

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