Extraordinary Genius

With the interruption of Liu Yuanzhi, Liu Yonghao reacted. What are you doing here today? He came to meet with Feng Yu to talk about the establishment of Minsheng Bank, but as soon as he talked about the glory cause, he forgot all about it.

“President Feng, I didn't expect you to do so much business. ”

“It's not that big. Compared to a lot of big international companies, it's nothing. It's just a little complicated.” Feng Yu said modestly.

“If General Feng's business isn't big enough, what are we? President Feng was too modest. The legend told you about Minsheng Bank. Do you have any thoughts?” Liu Yong asked nicely.

“Of course you can join this bank, but there's a problem. Which one of you knows how to run a bank?” Feng Yu asked backwards.

Feng Yu knew a man who was more familiar with the bank. That was Li Zeyu, who worked at the bank when he was in Canada.

“None of us understand, but Minsheng Bank still has to have a national stake. In other words, we don't need to worry about having specialists to run the business. Large shareholders in the bank, should be China Life, we are all in the stock.” Liu Yonghao explained.

Indeed, it is the same as in the last life. Though private commercial banks are allowed, the major shareholders are still the State, but it has become a shareholding system, making the operation of banks, revenues, etc. more transparent.

If that were the case, it wouldn't be bad, the Minsheng Bank of the last generation had developed well, especially after 98 years, and, of course, all commercial banks had reached a period of rapid development.

But there is a serious constraint on Minsheng Bank, which is that many State-owned banks have policies, including provident fund storage, including housing loans, which were initially closed to Minsheng Bank, which also seriously affects the development of Minsheng Bank.

If Minsheng Bank treats it like a state-owned bank, then Minsheng Bank will develop better!

Zhongbao Life, the future Huaxia Life Insurance Group, is the highest value life insurance group in the world, very well funded. It is also because of its membership that Minsheng Bank will grow better and better, because next year China's Insurance Law will be enacted, coinciding with the fast period of insurance industry development, life insurance groups will earn more and more.

Insurance is combined with banks, which is a successful model abroad. They use the amount insured by their clients to lend, invest, and earn money to cover insurance claims due to them. If there's no bank, what about the insurance money they collect? Interest on deposits?

It can be said that it is precisely because the State needs to vigorously develop the insurance industry that the Minsheng Bank was created, but it was not proposed by these so-called private entrepreneurs that the State agreed.

“How many companies does this bank initially invest in, how many companies do you need to form, how many shares does it take up to private capital?” Feng Yu asked.

Holdings are definitely not possible and it is difficult to become a major shareholder, but Feng Yu can invest in the name of several companies and then occupy a few more seats on the board of directors of the bank, which will also be very vocal.

Without asking for the ability to manipulate banks at random, the country would certainly not allow it, but it could not be manipulated at random, and his opinions would not be ignored at all.

“With an initial registered capital of RMB 10 billion, we can account for up to 49 percent, but it is not stated that the shares may not be traded in the future. There are no rules for how many companies, but we would like to have at least one company of twenty, so that the risk can be shared.” Liu Yonghao explained.

A hundred billion, this money is actually not much for Feng Yu, but it's too much investment right now, it's not good value for money. Whether it's Russian funds or US funds, Feng Yu himself can come up with 10 billion RMB.

The current economic situation in the country, coupled with the nascent banks, has so many powerful competitors that income will certainly not be high. Fortunately, the bank operates normally, and there is no great risk of losing money.

Investment banking, for later. If you can become a major shareholder in Minsheng Bank, capital operations will be simpler in the future. Moreover, banks are closely related to national policies. They are included in Minsheng Bank. They can know the direction of national policies earlier and have a great impact on investment.

Feng Yu suspected that these bosses were just trying to keep track of policy developments, because the bank really didn't see any hope of making money for the time being. However, if it can be listed in the future, it can still make a lot of money if it cooperates with banks in launching financial financial products.

“Boss Liu, can I introduce some big bosses or big companies to stock? Can the Xiangjiang businessman?” Feng Yu asked.

“Xiangjiang merchants, I'm afraid not. Although Xiangjiang will also be part of the country, the policy is slightly different, with two systems in one country. And Xiangjiang hasn't returned yet. What if they become foreign nationals? ”

“But don't we have the same foreign banks in our country? ”

“But Minsheng Bank is different. There is also Chinese life insurance in it. This cannot be affected by foreign investment at any point. You can introduce the big boss, the big business, as long as the company is clean and strong enough. But just a little bit, it has to be the Huaxia Enterprise. ”

“What about Xiangjiang shares? But it's like Huaxia Capital Holdings, okay?” Feng Yu asked in detail.

If that doesn't work, then companies like Windstorm Electronics, Windstorm Electronics, Edward Electronics, Edward Electronics, and so on don't. Not even Ice City Machinery, that's a huge impact.

“I didn't say no, let me ask you something. Can you tell me which companies they are?” Liu Yong asked nicely.

“Ice City Machinery Company, Windstorm Electronics, Ewa Electronics, Windstorm Electronics, Ewa Electronics, etc., as well as Lehaha Group, Ewa Xiaobao Wang Company, Taihua Trading Company, Taihua Agricultural Byproducts Company, Taihua Supermarket Group, Ice City Pharmaceutical Group, etc., or can add Windstorm Logistics Company, Quanjude Group, etc. ”

Once Liu Yonghao heard the beginning of several companies, he knew that they all had shares in Feng Yu, and possibly even held shares in Feng Yu, so that he could see them under the company's name. Wind and rain, Edward, Taihua, whatever, must have something to do with Feng Yu. But he didn't think, why are there so many of these companies?

Ice City Machinery has a stake in Feng Yu, which he also knows, but does Lehaha Group, Ice City Pharmaceuticals or anything have anything to do with Feng Yu?

Lehaha's Zongqing first, but he admired a very admirable man, starting from the children's oral liquid, the company expanded year after year, the assets went up. Does this company have shares in Feng Yu or does Feng Yu just know Zong Qingxian?

And that Ice City Pharmaceutical, since the middle of last year, doesn't count as advertising in Central Taiwan. Just oral liquid or something, can you make a lot of money? Does this company have anything to do with Feng Yu?

Wait, what's this Feng Yu doing talking about so many companies? He didn't want to get involved and then take a seat on the board, did he?