"Director!" The young man in the middle of his sleeve quickly shouted respectfully, then pointed at Ma Zhaomin and said, "This comrade came here at noon and has been waiting for you. He said he was from the preparation team of Xiucheng City Commercial Bank and sent the approval documents to come."

Hearing that behind him was the director of the Credit Department, Ma Zhaomin quickly turned around and smiled: "Hello Director Wang, I am Xiao Ma from the preparation team of Xiucheng City Commercial Bank. Today I made a special trip to send the documents for the restructuring of our city commercial bank. Look..."

Director Wang didn't expect that he was having a meeting upstairs, and there was actually someone from the preparatory team of Xiucheng City Commercial Bank below. As for Ma Zhaomin's small offense, he didn't take it seriously. He nodded immediately and said, "Okay, come with me to the office. Xiao Tang, you get off work early after you finish cleaning, don't let your family wait for a long time. Tell your father that I will visit him tomorrow and the next day."

"Yes, Director." The young man with a half-sleeved eyebrows down and responded with a pleasing look, but his hands were not idle, and wiped the traces of Ma Zhaomin's saliva flowing down on the wooden chair. Then he neatly organized the documents on the table into the drawer and locked them. Finally, he pushed all the chairs in the office down under the table.

After finishing these things fluently, the young man in the middle of his sleeve stood by the door and bowed slightly to Director Wang and said, "Director, then I'll get off work first. I will definitely bring your words to my father, and he always said he wanted to talk to you."

"Okay, go." Director Wang nodded peacefully, waved his hand and watched him leave the office gate.

Ma Zhaomin was stunned when he heard the conversation between the two. This not-so-old office staff seemed to have any background? The family seemed to have a good relationship with Director Wang. No, it should be said that he must have a higher status than Director Wang.

Didn’t you see Director Wang using the word “visit” when he was speaking? The leaders of an ordinary unit went to the employees’ homes to visit him. He wouldn’t use these two words, right?

The People's Bank of China is a central ministries and commissions, and the president of the People's Bank of Bohai Province should be a department-level leader. At the level of Director Wang, it is possible to have a deputy department or a chief department.

If you can get such a person to visit, your family may not be that bad, right? I said you are a high-ranking official, as for pretending to be so ordinary? If you are a little arrogant, I will not have a conflict with you, right?

So, Ma Zhaomin is a man who bullies the weak and is afraid of the strong, and is really "sincere" in his bones...

"Director Wang. You think I'd better come tomorrow. You have worked hard, right?"

Although Ma Zhaomin cheated on his father with low IQ, he still understood the basic principles of human relationships. The state organs naturally got off work from get off work from 5 o'clock. Unless it was pressured by superiors, it would be useless if your clerk had urgent matters. He thought, and he probably would have to get off work, so he would definitely not be able to hand over this document today. Instead, it would be better to have some eye value and do a favor.

"Hmm?" Director Wang looked up and down Ma Zhaomin, shook his head and said, "No need, since you are here today, I'll delay for a while. I'll take a look at your reform plan first."

"Ah! Then why do you have the nerve to bother Director Wang, it's okay for me to come here again tomorrow."

Although Ma Zhaomin was frightened and frightened, he was looking forward to Director Wang giving an approval opinion today. There is no reason for such things to be submitted for review. If Director Wang could give an opinion today, in the evening, the staff of the preparatory team of the City Commercial Bank will be able to quickly change the plan, which will save more than a day.

In Ma Zhaomin's opinion, Fanhan Group will definitely not give up during the process of submitting the trial. If you can get ahead of the day, this variable may be much less.

"Okay, it's not trouble, it's all for work." Director Wang waved his hand lightly, opened the small door of his office, pushed it open and walked in.

He sat down on the chair behind his desk, pointed to the chair opposite and said, "Okay, I don't know what you call me comrade, let's hurry up and do your job well."

Ma Zhaomin happily sat down in front of Director Wang and smiled and said, "My surname is Ma, Ma Zhaomin, just call me Xiaoma. Ma Boyan, executive vice mayor of Xiucheng, is my uncle."

Director Wang looked up at him, nodded faintly and said, "Xiaoma, I have the information about your Xiucheng Credit Union. According to the statistics from last year, if you want to reorganize, you must make up for more than 100 million bad debts and bad debts, and you must add more than 100 million reserves. Have you prepared these 300 million funds?"

Ma Zhaomin put the documents in his bag on his desk and smiled proudly: "Our preparatory team has come up with a plan to deal with the bad debt and bad debt problems by selling affiliated assets and some of the bankruptcy assets of the loan company. The reserves are also ready, which is enough to complete the restructuring without changing the business at present."

"Whether it is enough or not, it depends on our review." Director Wang coughed lightly and lit it lightly.

"That's it, that's it." Ma Zhaomin nodded with a smile.

Director Wang was flipping through the plan for the restructuring of Xiucheng City Commercial Bank, and occasionally picked out some questions and asked Ma Zhaomin in detail.

If you want to talk about this plan, the production is very good. The fake credit union has been around for decades, and there are still three or five talents. If you want to do the accounting, it is certainly no problem for those who dare to submit it. The problematic part has long been smoothed down below.

Director Wang looked at it for a long time and picked out a few big and small problems, allowing Ma Zhaomin to remember them.

After roughly reading the summary of the plan, Director Wang knocked on the table and said thoughtfully: "Your Xiucheng Credit Union is reorganized. Now, all the shares are in the hands of the city government. It cannot be said that this is not good. But at present, the national financial system reform, and you are a bit conservative in doing so. I heard that your Xiucheng Fanhan Group wants to participate. Has the preparatory team ever considered this?"

"Fanhan Group?" Ma Zhaomin suddenly turned his nose skewed. The Fanhan Group was really lingering. No wonder Zhou Shuo was fearless at the railway station before. It turned out that he had already done his job to save people from traveling!

"We think that banks, as a key industry related to the national economy and people's livelihood, need to be cautious in introducing private capital." Ma Zhaomin did not dare to force himself. After all, the introduction of private capital requires support and encouragement in the spirit of the document, but in fact, local governments are somewhat strict with this aspect.

Generally speaking, local governments adhere to the policy of focusing on the big and letting go of the small in the restructuring of urban commercial banks. The government directly holds 20 to 30% of the shares, and then introduces several local state-owned enterprises, and the total shareholding ratio has increased to 50 to 60%. Later, in 2005, the People's Bank of China conducted a statistics on the average of indirect shareholding ratios in urban commercial banks in various regions, and private capital and individual shares account for only 25%.

This has caused local governments to have a great impact on the business of urban commercial banks, and has seriously restricted the development of urban commercial banks in various places. The 127 commercial banks across the country have to be said to be the result of their own positioning problems.

Director Wang looked up at Ma Zhaomin and ignored him. After a while, he pointed to a paragraph in the plan and said, "I need more detailed information about the asset valuation of your city commercial bank. The development of your real estate market in the past two years, important real estate projects that have been started in the past six months, urban planning for the next five years, and details of private property transactions near credit cooperative properties. Without these, your valuation is of little significance."

Every time Director Wang made a request, Ma Zhaomin's sweat became denser. Until he finished speaking, he was already sweating profusely.

"Director Wang, there is no need for this. Our valuation was obtained through formal procedures, and the appraisal documents have legal effect..."

"Huh?" Director Wang glanced at Ma Zhaomin, and immediately made him cold from the soles of his feet to the skull. Director Wang, who was originally a little kind, suddenly turned into a glaring Arhat. He stared at him with no anger.

"I, I'll go back and prepare now." Ma Zhaomin nodded in panic and agreed.

"Also, if you go back, think about what I say. Fanhan Group is a star enterprise in the province, a pillar enterprise in the microelectronics industry in China, and the provincial economy depends on it. If we cannot believe such enterprises, it is not called caution, or dereliction of duty and inaction!"

Ma Zhaomin immediately understood that the Fanhan Group did not do work for Director Wang in advance, but directly fought for him! The former may be that Director Wang just had an impression that he could help say a few good things. The latter did not give up until he achieved his goal, and the positions of both sides became fundamentally opposed.

Ma Zhaomin's enthusiasm for being unsuspecting came up and argued: "Director Wang, it is true that Fanhan Group is a big enterprise. But its history is only more than two years. City commercial banks are a century-old plan for the economic development of our Xiucheng City. Who knows if it is prosperous and its demise is sudden?"

People have billions of dollars in their hands, and maybe they will live longer than your city commercial bank! Director Wang couldn't help but complain in his heart, too lazy to argue with him, and immediately said, "Okay, I've read your plan. Whether to introduce private capital is the work of your Xicheng City Commercial Bank preparation team. I won't say much about it. But this version of the plan is definitely not possible now. You can take it back and modify it first."

Ma Zhaomin nodded and put away the documents. He didn't expect to pass it once, and asked humbly: "Director Wang, in addition to these questions, can the plan be passed?"
Chapter completed!