With Liu Chuanzhi's interruption, Liu Yong finally realized what he was doing today. He came to meet with Feng Yu to talk about the establishment of Minsheng Bank, but when it came to the glorious career, he forgot all about it.
"Mr. Feng, I didn't expect your business to be so big."
"It's not very big. Compared with many large international companies, it's nothing. It's just that what I do is relatively complicated." Feng Yu said modestly.
"If Mr. Feng's business is not big, then what are we? Mr. Feng is too humble. Chuanzhi told you about Minsheng Bank. Do you have any ideas?" Liu Yonghao asked.
"Of course you can buy shares in this bank, but there is actually a problem. Which of you understands the operation of a bank?" Feng Yu asked.
Feng Yu does know one person who is relatively familiar with banks, and that is Li Zekai. He worked in a bank when he was in Canada.
"We don't understand, but this Minsheng Bank still needs to have state shares. In other words, there will be specialized talents to run it. We don't need to worry about this. The major shareholder of the bank should be China Life Insurance Company. We all It's a shareholding." Liu Yonghao explained.
Sure enough, it was the same as in the previous life. Although it is said that private commercial banks are allowed, in fact the major shareholder is still the state. It has only become a joint-stock system to make the bank's operations, income, etc. more transparent.
If this is the case, there is nothing wrong with it. Minsheng Bank developed well in the previous generation, especially after 1998, when it developed rapidly. Of course, all commercial banks were in a period of rapid development at that time.
However, one thing that seriously restricts Minsheng Bank is that the policies of many state-owned banks, including provident fund deposits and housing loans, were not initially open to Minsheng Bank, which also seriously affected the development of Minsheng Bank.
If Minsheng Bank is treated the same as state-owned banks, then Minsheng Bank will develop better!
China Life Insurance Company, the future China Life Insurance Group. This is the life insurance group with the highest market value in the world, and its funds are very strong. It is also because of its participation that Minsheng Bank is developing better and better. Because my country's "Insurance Law" will be promulgated next year, which happens to be a period of rapid development of the insurance industry, and the income of the life insurance group will be higher and higher.
※≥※≥, the combination of insurance and banks is a successful foreign model. They use the amount insured by their customers to lend and invest, and the money they earn is used to pay insurance claims to policyholders. If there is no bank. How do they use the insurance money they collect? Earn interest on deposits in the bank
It can be said that it was precisely because the country wanted to vigorously develop the insurance industry that Minsheng Bank was born. It was not the so-called proposal of these private entrepreneurs that the country agreed to.
"What is the initial investment amount of this bank, how many companies are required to form it, and how many shares can private capital occupy at most?" Feng Yu asked.
It is definitely impossible to hold a controlling stake, and it is also difficult to become a major shareholder. But Feng Yu can invest in the names of multiple companies, and then occupy a few more seats on the bank's board of directors, and he will still have a strong say.
Don't expect to be able to control the bank at will. This country will definitely not allow it, but it cannot be run by others at will, regardless of his opinions.
"The initial registered capital is 10 billion RMB, and we can occupy up to 49%. But it does not say that the shares cannot be traded in the future. There is no regulation on the number of companies, but we want to have at least 10 or 20 companies. Well, this way we can share risks." Liu Yonghao explained.
Ten billion. This amount of money is actually not much for Feng Yu, but it is not cost-effective to invest too much now. Whether it’s Russian funds or American funds, Feng Yu himself can come up with 10 billion
But given the current economic situation in the country, and Shinsei Bank, which has so many strong competitors, its income will definitely not be high. Fortunately, if the bank is operating normally, there will not be much risk of losing money.
Investment banking is for the future. If you can become a major shareholder of Minsheng Bank, capital operations will be simpler in the future. Moreover, banks are closely related to national policies. By investing in Minsheng Bank, you can know the direction of national policies earlier, which will have a great impact on investment.
Feng Yu suspected that these bosses just want to know the policy trends, because for the time being, banks really don’t see any hope of making money. However, if it can be listed in the future and cooperate with banks to launch financial products, you can still make a lot of money.
"Boss Liu, can I introduce some big bosses or big companies to buy shares? Can Xiangjiang merchants do it?" Feng Yu asked.
"Businessmen in Xiangjiang, I'm afraid this won't work. Although Xiangjiang will also be part of the country, the policies are still slightly different, one country, two systems. And Xiangjiang has not returned yet. What if someone becomes a foreign nationality? What do you think of the shares? "
“But don’t we also have foreign banks in China?”
"But Minsheng Bank is different. There is also China Life Insurance Company in it. This cannot be affected by any foreign capital. You can introduce big bosses or large companies. As long as the company is clean and strong enough, it will be fine. But just One thing, this enterprise must be a Chinese enterprise."
"What about Xiangjiang shares? But they are controlled by Huaxia Capital. Is that okay?" Feng Yu asked in detail.
If this doesn’t work, then neither will companies such as Fengyu Electronics, Fengyu Electrical Appliances, Aihua Electronics, and Aihua Electrical Appliances. Not even Bingcheng Machinery Company, the impact would be huge.
"I'm not saying no, let me ask you. Can you tell me which companies they are?" Liu Yonghao asked.
"Bingcheng Machinery Company, Fengyu Electronics, Aihua Electronics, Fengyu Electrical Appliances, Aihua Electrical Appliances, etc., as well as Lehaha Group, Aihua Xiaobawang Company, Taihua Trading Company, Taihua Agricultural and Sideline Products Company, Taihua Supermarket Group, Bingcheng Cheng Pharmaceutical Group, etc., or Fengyu Logistics Company, Quanjude Group, etc. can be added."
When Liu Yong heard about the first few companies, he knew that they all had shares in Feng Yu, or even controlled by Feng Yu. This could be seen in the company names. Fengyu, Aihua, Taihua, etc. must all be related to Feng Yu. But he didn't expect that there were only so many of these companies
Bingcheng Machinery Company has Feng Yu's shares, which he also knows, but Lehaha Group, Bingcheng Pharmaceutical, etc., are also related to Feng Yu
Zong Qingxian of Lehaha is a person he admires very much. He started with children's oral liquid. The scale of the company has expanded year after year, and his assets have skyrocketed. Does this company have Feng Yu's shares, or does Feng Yu just know Zong Qingxian
There is also Bingcheng Pharmaceutical. Since the middle of last year, it has been advertising on CCTV. It can make a lot of money just from oral liquids and the like. Is this company also related to Feng Yu
Wait, why does Feng Yu mention so many companies? Doesn't he want to be involved in everything and then occupy a seat on the board of directors? (To be continued.)
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