On January 1, 1985, China Minsheng Banking Corporation was finally unveiled in Shanghai, which represented that China's first joint-stock bank finally began to operate externally.
As the largest shareholder, Zhao Yi naturally needs to attend the unveiling ceremony. Also attending the unveiling ceremony are a deputy minister and the presidents of several major state-owned banks that have stakes.
To be honest, if it weren't for the fact that he wanted to be qualified to absorb public deposits, Zhao Yi actually wanted to be a sole proprietor. But now that it has become a joint-stock system, and he also needs to let his own companies participate in the shares, it feels a bit strange.
I originally thought that although it was a joint-stock company, I could hold 80 to 90 percent of the shares, but I still didn't get it.
As if smelling blood, these state-owned banks want to take out their own money and take a certain share of the bank. Even the government wants to take this ride.
It's true that Zhao Yi's reputation in the business world is too loud. He used to invest in general companies, so they had no reason to get involved. They were not short of money. Just watching Zhao Yi leisurely making money like this, they had already become Some people's eyes turned red.
After finally seizing the opportunity this time, they would not miss it no matter what. Even the Industrial and Commercial Bank of China, which had just been established not long ago, also spent a lot of money, just to occupy a position in it.
If Zhao Yi hadn't increased the share capital of the entire bank to 100 billion yuan, he might have become a minority shareholder. This would directly make China Minsheng Bank the largest bank in the country.
Since Zhao Yi holds the majority of the shares and has the absolute decision-making power of Minsheng Bank, the other major shareholders only occupy a seat on the board of directors and no more personnel are arranged to come in. Most of the management of Minsheng Bank comes from HSBC.
According to Zhao Yi's vision, the main business of Minsheng Bank in the future is to provide financial support to private capital and solve the financial problems encountered by private enterprises in the development process.
But it has to be said that if we still develop with this idea in this era, it is estimated that it will be difficult to develop in the short term, and with so much money, it is impossible to keep it lying on our hands, we must lend it out as much as possible.
Therefore, the recent task is to provide financial capital support to domestic state-owned enterprises. This coincides with the imminent reform of state-owned enterprises and requires sufficient financial support. This is an opportunity for the development of Minsheng Bank.
Of course, the reason why the central government allowed China Minsheng Bank to be established was to use Zhao Yi's funds to solve the problem of capital shortage of state-owned enterprises, and to take this opportunity to promote the modernization reform of state-owned enterprises to adapt to the market-oriented competition environment.
After the lively unveiling ceremony, the business processing hall began to be bustling with people. Most of them came to the hall to learn about Minsheng Bank's loan policies and procedures. Of course, some citizens came in to take a look at the situation.
Zhao Yi does not expect that the newly opened Minsheng Bank can gain the trust of the people. Moreover, it is not a state-owned bank, so it will naturally have the endorsement of the state, so subsequent development will need to be done step by step.
Fortunately, Minsheng Bank also has the word "China" on it, which is still somewhat confusing. Some people who don't know what is going on think it is a state-owned bank. This first impression is actually very important.
As long as the first deposit and loan business occurs with a customer, and as long as the service quality can keep up with it, the trust in Minsheng Bank will be increased, and it will not be treated differently from other state-owned banks in the future.
Another way to expand the bank's influence is to open branches crazily across the country, so that people can see Minsheng Bank wherever they go, and at the same time, they can handle Minsheng Bank's business wherever they go.
So Zhao Yi said at the first board of directors: "We are a newly established bank. It can be said that we have no influence. This is not optimistic about the subsequent development of our bank, so we must expand the bank's business in a targeted manner." Influence.
I think there are three main ways to expand influence.
The first aspect is easy to understand, which is advertising. For this reason, we need to set up a publicity department and allocate a certain amount of funds every year for advertising. The form of publicity can be direct advertising on television, newspapers, or some soft ads. .
The second aspect is to allow people to see the Minsheng Bank signboard wherever they go, which means we need to expand Minsheng Bank's business outlets, at least to the county level.
To achieve this goal, we need to increase the number of business outlets to 10,000, and we will continue to add new outlets based on business needs in the future.
Of course, we also know that with the rapid increase of outlets, the number of personnel will also increase sharply, and labor costs will inevitably increase rapidly. In order to solve this problem, we need to add automation equipment to the business outlets.
For example, automatic teller machines, automatic deposit machines, automatic card application machines, automatic customer service consultation, etc., to minimize the need for personnel.
In doing so, firstly, it can reduce personnel costs, secondly, it can improve work efficiency, and thirdly, it can change the public's impression of traditional banks.
The third way to expand our influence is word of mouth. This requires us to provide high-quality financial services. Don’t act like you are an uncle, but work with the mentality that you are a financial porter. . "
It can be said that the three measures proposed by Zhao Yi are quite shocking, because before this, I had never heard of banks advertising.
In their minds, only those manufacturing companies need to advertise their products, which can quickly increase product sales.
Banks are generally just bosses. They only ask others to do business with them. How can they ask others to come to them to handle business? Some banks even look paralyzed because their customers have low deposits.
This involves the third point, which is the issue of work attitude.
In the past, they were all state-owned banks. There were not many bank funds, and there was no strong demand for urgent loans, so it was not a matter of attitude. Moreover, everyone had the same style of doing things, so even if customers were unhappy, there was nothing they could do.
Things are different now. Minsheng Bank itself has a large amount of its own capital, and as it purchases and stores more and more, the scale of funds will definitely become larger and larger. By then, lending will become a business that needs to be taken seriously.
Besides, Minsheng Bank is a private bank. There is no staffing problem, so there is no situation where you can stay for a lifetime. If customers complain too much, you will probably lose your job.
At the same time, in order to increase employees' work enthusiasm, a series of incentive measures will be introduced so that employees can get the rewards they deserve for their hard work. In that case, it will be difficult to treat customers as before.
What surprised everyone even more was that Zhao Yi actually proposed to increase the number of business outlets to 10,000 in a short period of time. You must know that state-owned banks that have been developed for so many years do not have so many outlets so far.
Some counties still operate rural cooperatives or use postal savings. The branches of these large state-owned banks have not yet sunk so deeply. Moreover, in this era, the economic vitality of counties is generally very low, and opening branches may not be worth the gain.
Fortunately, Zhao Yi was also aware of this problem, so he also gave many methods to reduce operating costs later. However, they had not seen the machines he mentioned so far, and they were still skeptical about it.
This kind of doubt does not mean that it cannot be created. After all, technology is always moving forward and will be realized one day, but they have no idea where this day will be.
According to Zhao Yi, it seems that these things can be realized in a short period of time. Even if they are realized in a short period of time, how to manage so many outlets is still a problem. If one failure occurs, large-scale losses may occur.
“I know you may have concerns about adding so many business outlets all at once. Since I raised this issue, there must be some truth to it.
Everyone also knows that Hengtong Communications Company has begun to build a large-scale information high-speed network, which is unique in the world. Most people do not have a clear understanding of the changes it has brought to the world.
I won’t go into too much detail here, I’m just going to talk about things related to our bank.
We can rely on the high-speed information network to build our bank's own information management system. As long as this system is built, we can master the deposit and loan business data of all business outlets at any time and understand user information across the country.
In this way, we can analyze which customers are high-quality customers and which customers have problems. We can also analyze the operating conditions of each business outlet, whether there are any violations, etc.
In this way, we can significantly reduce management costs, and can implement monitoring to avoid a large number of non-performing loans, resulting in large-scale losses, and reduce operating risks.
At the same time, relying on the high-speed information network and the bank automation equipment developed by Tiangong Precision Instrument Company, many branches can be operated without anyone or with only a few people.
For example, automatic deposit machines and automatic teller machines, we can increase or deduct funds from user accounts in real time through the information network.
At the same time, you can also know whether there is still cash in the machine that can be withdrawn or it is full of cash. At that time, you only need to send personnel to add cash to the machine or withdraw cash.
At the same time, cameras need to be installed at each outlet. Through intelligent analysis software, personnel behavior can be analyzed, and dangers can be predicted in advance. Even if the alarm is called, safety is greatly improved.
Others, such as automatically applying for bank cards, can also be operated in this way, but the current ID card does not have IC function, and the ID card needs to be upgraded. Regarding the second-generation ID card technology, my Polaris company has completed the research and development.
This requires government departments and Polaris to verify the feasibility and safety of the technology. I hereby guarantee that there will be no problems in these aspects.
After having the second-generation ID card, the customer still needs to hold the second-generation ID card and take a face photo at the processing machine. By comparing the ID card photo and the face photo, it is judged whether it is the person holding the ID card who is applying. Card opening business.
If you handle the card opening business in person, the automatic processing machine will write the customer information and card number information into the blank bank card, and then hand it over to the customer. At the same time, this information will also be transmitted to the bank database in real time.
In the future, business outlets will only need to arrange some personnel for manual consultation services, and even some common problem consultations can be completed by machines. We call this intelligent customer service, which can reduce on-site manual workload. "(End of chapter)