It was originally a "bank" that was wrongly accused of being ordered to close by his superiors at any time. It was entirely supported by Lao Lu's personal reputation. If Lao Lu got cancer, his "successor" was investigated by the discipline inspection department and the news that the foundation had no such cash leaked out, which would definitely cause a run.

It involves more than 40,000 households in the town, with the most tens of thousands and the fewer than thousands and hundreds.

Once a bank run is born, you will face tens of thousands of depositors.

This is money, not anything else.

No matter how you do your job, even if you shout it out, it will be useless. The money you get is the money. Standing here, you need it, and holding a passbook, certificate of deposit or bank card for you to cash out, will not be easy to delay.

State-owned commercial banks can mobilize funds from other branches and branches and lend money from other banks. When the foundation says that it is not connected to the Internet, it is actually that the other party does not connect to the foundation. They have to repay more than 130 million deposits at once. Where can the foundation mobilize them and which bank can it manage to lend?

Secretary Cui Lihua, who had always believed that no matter whether the investigation team had any problems or not, had his impression of Li Xiaolei changed suddenly.

Handle it properly!

Maintaining financial order and social stability is the first priority, especially at this critical moment when the Spring Festival is approaching, it is correct for her not to leave with the investigation team, and it is understandable that the investigation team's discipline inspection cadres are not allowed to leave.

Li Xiaolei didn't know what they thought, so she took out a small U disk: "Dear leaders, frankly, I know that the county discipline inspection and supervision department is investigating several of my former bosses, and I knew it before the few people downstairs came. Cooperating with discipline inspection and supervision and judicial organs to handle cases is the obligation of every citizen, not to mention that I have indeed worked in the Silk Group.

This U disk contains scanned documents such as salary, bonuses, business trip subsidies, sales commissions, vehicle travel expenses, entertainment expenses and other documents that I personally served as the manager of the Silk Group BJ Company for more than four years. Although I have always paid great attention to the issue of money, I am not very full due to my busy work or other reasons, but the big money is all there, accounting for more than 97%.

In addition, there are related systems of the group, including wage and bonus standards, business travel standards and sales commission standards, and there are personal income tax payment certificates from my local tax department in BJ. My lover is a state public official, and both of us are proud of him, so we pay special attention to these things. Don’t be too surprised by your leaders.”

Shi Xianghui is not qualified to sit in front and is not qualified to say anything, but I feel sorry for the "Korean strike" if I don't say anything now.

He took a deep breath and stood up and said, "Report to Secretary Luo, I can prove this. Not only me, but all the members of the Party Committee of the Bureau before the personnel adjustment of our Public Security Bureau can prove it. Comrade Han Bo's father opened a decoration company in Donghai before Comrade Han Bo started a decoration project and did a lot of work.

At that time, our Public Security Bureau was in short supply, and the police went to Donghai or took the train from Donghai to perform other tasks. Mr. Han warmly received them every time. He helped buy train tickets, arranged trains to pick them up at the bus station, and managed food and accommodation. After that, he sent a train to the train station. How many tasks to go to another place in a year is a huge expense.

Later, Comrade Han Bo cracked down on economic crimes, and the funding situation in the bureau improved a lot. We wanted to repay it at that time. After the office building, detention center, and the current office building of the traffic police brigade were built, we called President Han and asked him to help us decorate it. Anyway, it cost money. It was not a good idea to give to anyone who was on the same budget, but President Han refused."

Luo Hongxin's expressionless face, Cui Lihua felt thoughtful, and several other county party committee members continued to read Lao Lu's inspection report if they didn't hear it.

I've already spoken, why don't I finish it?

Shi Xianghui touched his mouth and continued: "Not only our Public Security Bureau, but also the Silk Group where Comrade Li Xiaolei worked, but also the decoration projects of private enterprises such as Liangzhuang Construction Engineering Group and Lianggong Group, Mr. Han did not do it. He was good friends with our former political commissar Lao Yuan, and he made it very clear during a meal.

If your son is a cadre, and he is a cadre of the Public Security Bureau, he will definitely offend people. As long as he offends people, someone will say it. People's words are terrible, so if you can avoid suspicion, you will avoid suspicion. Only do projects in Donghai and BJ. So what if others say, use power for personal gain? Is Han Bo's power so great that he can seek private interests in two municipalities directly under the central government..."

"Thank you, Deputy Director Shi."

Li Xiaolei smiled and said self-deprecatingly: "Although I do not have any economic problems and have not violated laws and regulations, it cannot be denied that my treatment in the Silk Group is far more than my efforts. A few days ago, the foundation held a shareholders' meeting. Secretary Lu Huisheng introduced to the shareholders how many export orders I received for the group in a year, in units of billions, it sounds like I, Li Xiaolei, seems very capable.

It is exaggerated to say that one-third of all orders come from dozens of foreign trade companies, and they got the orders, so I was equivalent to going to some middlemen; one-third came from old customers, the group was so large, the labor cost was so low at that time, the equipment was relatively advanced, and the quality control was relatively good. After working together once, I was willing to continue to cooperate. One-third came from foreign dealers and agents."

Li Xiaolei paused and added: "But I tried my best, and did everything I could, except accompanying the client to bed."

Going to bed and sleeping is so fierce that you can even say this.

Cui Lihua was very embarrassed. One was that she was both a lesbian, and the other was that she was the secretary of the Discipline Inspection Commission. What she had today had had something to do with her.

Luo Hongxin is just as embarrassed, but he is more envious and a little bit admiration.

It’s not that I envy Li Xiaolei, but that I envy Hou Xiufeng. He valued a cadre, but as a result, the cadre he valued worked brilliantly on the public security front. Now he has grown into the deputy division-level technical investigation team leader who will be officially established by the Municipal Public Security Bureau. He left a "personal female disciple" to the old unit, and as a result, the "personal female disciple" made the old unit prosperous for another four or five years.

What's even more rare is that the two people he valued did not intensify the conflict like others because of the events he had had in the morning, and did not show even a little hostility.

Judging from the attitude and tone, she seemed to want to be a "firewall" to make the Silk Group matter last for her, and she didn't want Hou Xiufeng to be involved in this unnecessary dispute.

Disgraceful!

A county-party secretary did not have a lesbian who was pregnant with a six-game lesbian, and even judged a gentleman with a villain's heart. It must be admitted that in terms of ideological realm, he is not a little bit worse than Hou Xiufeng.

"Comrade Li Xiaolei, I believe that in fact you are indeed a competent senior management staff member of the enterprise. I am very happy that you can continue to work in Sigang, and I am very happy that our Sigang can have high-quality talents like you."

Luo Hongxin is also a person who wants to save face, so it is not easy to say these words.

He looked down at Lao Lu's bone marrow puncture examination report again, obviously trying to cover up something, and then looked up and said, "You are well prepared. Proactively providing this U disk is equivalent to actively cooperating with the work of the discipline inspection department. To borrow the words of your father-in-law, that is, Mr. Han, whom he just reposted, you will offend people when doing work, and someone will say it.

The investigation of the discipline inspection department may not be a good thing. It can come up with a very serious conclusion and smash all gossip. It can not only prove that you are a senior manager who has made outstanding contributions to Sigang's economic construction, but also prove from the perspective that your lover is a good comrade who is worthy of our learning."

It is a very serious matter for the discipline inspection department to file a case for investigation.

Regardless of whether the investigation this morning is more like "punishing people", the investigation is an investigation. Since there is a beginning, there must be a conclusion, and it is impossible to end it in a confused way.

Luo Hongxin’s meaning is very clear. The investigation continues, I hope you can understand. However, the investigation is about the situation in the U disk. You don’t need to go to the case handling location, and there will not even be any discipline inspection cadres coming to ask about it.

After finishing the business early, I went to the market with Wang Yan early.

There will definitely be many people who will be able to buy promotional activities, but if you go late, you won’t be able to buy anything you discounted!

Li Xiaolei doesn't care whether the investigation is conducted or not, nor does he care about the conclusion that the discipline inspection department will draw. He smiled bitterly: "Secretary Luo, I don't care much about the investigation, and I don't have any worries. What I am worried about now is the foundation. With you and so many county leaders giving me a "support" I believe that the morning will not happen in the future, but other things are there.

No one knows what will happen in the future. For example, Secretary Lu Huisheng can morally kidnap when suffering from cancer, and he forced me to Liangzhuang to be the "maintenance president" for him. If I, Li Xiaolei, suffer from cancer, where can I find the next "maintenance president"?"

"Chairman Xiaolei, you are so young, you can't use this kind of analogy."

"But I am really under a lot of pressure now. Not only do I not know if something will happen, but I also don't know when to maintain it and when to maintain it!"

This chairman is competing for popularity and reputation, and it is not something that anyone with higher level can do.

As the "successor" designated by Lao Lu, the Liangzhuang people who believe Lao Lu then have some trust in her. She is already capable, has seen the world, experienced the big scenes, and has won some trust. Her husband is as famous as Lao Lu in Liangzhuang. Although the people are not so respectful, they are still very convinced.

In addition, Jiao Handong and other Liangzhuang town cadres and the bosses of Liangzhuang major enterprises such as Construction Engineering Group, Lianggong Group, and Lianggrain Group have the strength to support her. Her current reputation is really worth 130 million. If she changes someone, she really can't get the president of this "copy bank".

Her words make sense, it is not a problem to continue like this, the whole thing is definitely - the time bomb, sooner or later, will be solved.

Luo Hongxin pondered for a moment, stared at her beautiful face and asked: "Comrade Xiaolei, as the chairman, do you have any good ideas?"

"The State Council clearly ordered the ban, and it is impossible to ban 99,999 companies and only ours. It is a miracle to be able to operate until today."

Li Xiaolei took out a stack of materials entrusted to the "think tank" and "advisory group" from the folder, and talked happily while splitting: "In the past three years, the county, town, including Secretary Lu Huisheng, have been considering how to make the foundation smoothly close. Practice has proved that this is an impossible task. If you stop lending, you will not be able to make the interest spread and you will have no money to pay depositors' deposit interest.

Stopping deposits is no different from stopping business. Depositors will think that something has happened to the foundation, and will get back the deposits as soon as possible, which will create the run that we are most worried about. Comprehensively urge to repay loans and fully recover funds, not only will it be difficult to recover them in a short period of time, but it will lead to losses and even bankruptcy of the loan company, which will affect the economic development of the entire Liangzhuang."

"Chairman Xiaolei, why not incorporate into the credit union?" The armed minister knew that the run was terrible, but did not think it was difficult to solve.

"There are two problems with the incorporation of credit unions. First, the dividends of the credit union are really unsatisfactory and shareholders do not agree. More than 800 shareholders, involving nearly a thousand families, do not agree to go to the business hall to argue, which may lead to a run; second, the credit union also needs to prepare at least 100 million funds to prevent the possible run after the incorporation.

Does the credit union have so much funds? No! What should I do? I can only apply for special loans from the central government. The State Council and the People's Bank of China also have regulations that the risk of clearing the Agricultural Foundation of China shall not be passed on to the credit union or other banks. That is to say, the money must be borrowed by the town, not to mention whether it can be borrowed so much, even if the huge interest generated by borrowing 100 million yuan of loans will be borne by who will bear it."

Fang Feng didn't understand finance, but basically understood it, so he blurted out: "Dropping down the east wall and repairing the west wall, you can't stop, and there will be chaos when you stop."

"almost."

Li Xiaolei nodded and said in a vigorous manner: "Why does credit unions and state-owned commercial banks have no problem? Because they have licenses, no threat of being banned, and can be borrowed from interbank. Our foundation has depositors, loan customers, business halls, and vaults. We have accumulated a lot of valuable experience for more than four years of operation. Especially in risk control, our non-performing loan ratio has been controlled at 2.8%. Which licensed bank can compare with us?

Since it cannot be closed down, since it is worried all day long, why not apply for a license, why not turn the foundation into a real bank? Moreover, state-owned commercial banks have withdrawn from the countryside, postal savings are only used to attract deposits in Liangzhuang and not lend money. Although credit unions lend, the money is tight, and Liangzhuang enterprises have urgent financing needs."

"Li Gui" wants to be "Li Kui"!

"Copyright Bank" needs to apply for a license and become a real bank!

Luo Hongxin was ridiculous and looked at everyone, and turned around and reminded: "Chairman Xiaolei, your idea is good, and the foundation is doing all the work well. But the bank business license is not other licenses, and the province has no right to approve it. He has to go to BJ and submit an application to the China Banking Regulatory Commission, let alone there is no such precedent."

"Applying is more troublesome, but it's better than sitting and waiting to die."

Li Xiaolei walked to him and turned the materials to page seven: "You see, rural commercial banks are not without precedents. Three companies were established in Jiangnan and were established two months ago."

There are indeed precedents.

However, this precedent is not easy at all. In 1996, the State Council had a guiding document. In 1998, the People's Bank of China held a meeting to choose 11 rural credit cooperatives to carry out unified corporate governance reform.

Who doesn’t want to open a bank or who is not active, but the procedures are difficult to handle. It was not until the General Manager held a symposium on rural financial system reform in 2018 that rural commercial banks were born, and it took another two years to become a reality. After six or seven years of application like a marathon, only three companies actually applied for it.

"Chairman Xiaolei, this is a precedent for applying for the establishment of a rural commercial bank based on a credit cooperative. There is still a certain difference between a foundation and a credit cooperative." Luo Hongxin did not want to undermine her enthusiasm. The key is that this matter is too unreliable and the possibility is almost zero.

"Secretary Luo, I have consulted. I feel that as long as the county supports it, as long as you support it, there is hope."

"How do you need the county support?"

"You see, this is a condition for establishing a rural commercial bank. As long as the county supports it, we can meet these conditions within two years, and we can even apply now, one level at a time."

The effective assets of the rural credit cooperatives applying for the establishment of a rural commercial bank must be greater than their liabilities, and the total assets must be more than one billion!

When you see the second article, you basically don’t need to read other terms.

One hundred million will make you nervous, and one billion will make you feel better. Even if you turn a blind eye and ask you to grab a lot of business halls in other townships and get effective assets of one billion, the China Banking Regulatory Commission may not approve it.

"Comrade Xiaolei, it's not that I don't support it, but that I need to consider and study it." This is not a matter of courage or not. It will cause big trouble, and Luo Hongxin dare not agree.

In the past, it was more than 100 million yuan for "illegal fundraising", but now it is normal to dare not agree to "illegal fundraising" for one billion yuan. It is abnormal to agree at once.

Li Xiaolei was not disappointed, sat back in her position and smiled mysteriously: "Secretary Luo, leaders, why our foundation has been able to persist until today is because we have enough funds. Our superiors know that this matter is difficult to deal with and cannot be banned in a short while. If we involve more funds, it will be even more banned. If the county supports it, the city agrees, and the province has no objection, it will be impossible for him to think seriously."

The Secretary of the Political and Legal Affairs Committee was completely convinced and said laughter: "Chairman Xiaolei, this is opening a bank, not a construction project, and it is too risky to get on the bus first and then buy a ticket."
Chapter completed!