Chapter 244 Establishing a Bank 1

It can be said that Li Shikang is the first professional in the whole family to have an in-depth understanding of the role of banks. He can even say that before that the whole Li family had not had an in-depth understanding of banks! The fairies' participation in the three major banks are all passively accepted, and can even be said to be very reluctant. Even if they get benefits later, they do not pay enough attention to it. Especially under the long-term influence of someone, no one will easily mention this matter. Even if some people have a certain idea, they will quickly self or Passively denied, what's more, they are short of money, how can they afford to invest in new projects? However, Li Shikang is different. He has more financial knowledge and knowledge than everyone in the family, and he will not give up because everyone is not happy. He entered the bank for 40 years and began his internship. He soon grew up. Colleagues and senior leaders who work together are highly praised in private, "Even if he is a deputy banker. It's okay to grow." When he felt that he could not learn anything from this bank, he was determined to return to Beijing. He was exactly 26 years old this year. He was determined to make a bigger career, and this career was the banking industry. He fantasized that the fairy could set up her own bank and hold an important position. Of course, there are other reasons for returning to Beijing, such as comforting some people. In short, he resolutely left Shanghai with his three wives, the Oriental Pearl that has lived for seven years and has been married for a lifetime. The family did not explicitly respond to his request. In their opinion, first of all, this is a little unrealistic and seems to be unnecessary at all. Second, he is too young and has insufficient work experience. More importantly, at this time, he is not suitable to take on tedious work, which is the real problem that young people have to solve.

Li Shikang had to temporarily let go of the idea of starting a business, because he was powerless in front of everyone, and any reason was enough to calm him down, although he had been very envious of what others had done for many years! However, with the passage of time, the family has gradually realized the importance of banks, especially after the establishment of energy companies, a consensus has gradually formed, and the call for the establishment of their own banks has gradually emerged. At the same time, the younger generation and the older generation are obviously different. They have a more comprehensive understanding of shopping malls. In their opinion, even if the family bank only guarantees the circulation of funds within the enterprise, it should be established as soon as possible. Therefore, Li Shikang's requirements are paid more and more attention to and are finally put on the agenda!

And within the company, especially fairies, there is gradually a phenomenon of attaching importance to the banking industry! It's a little funny to say. If you ask a fairy employee who has experienced many generations of fairy leaders, they will say that Li Mengze is the one with the worst management ability. Although this is a very disgraceful evaluation and it is not a taboo; however, if you ask any fairy employee, they will say that he has the greatest impact on the company. For fairies, Li Mengze has been regarded as a sacred legend. His "holy legend" completely covers up the lack of personal ability or rebellion in private life, which has a profound impact on fairies. This influence is so deep that it has become the basic starting point for companies to think about problems. For a long time, Fairy has never had a serious capital crisis. Strong capital reserves make them feel that "banks are an irrelevant part". If they have financial difficulties, they go to the bank contract loans. In most cases, the bank is just a place to deposit money, a place where working capital instead of issuing stocks. Fang!

The previous fairies did not have a sense of financial oppression, Li Mengze was unwilling to borrow from banks, and the decision-making department also felt that there was no need to bear bank interest... However, the economic crisis changed everything! The fairies entered the banking industry that were not originally planned to invest. In order to make full use of this God-given opportunity, they had to make a lot of loans. Because the reserve funds were almost exhausted and the amount of investment was too large, the rich fairy also carried trillions of yuan of bank debt for the first time, becoming the largest consortium with the world. This makes them worry about themselves and makes their opponents worry. Whether it is Li Mengze's Li family or the fairy's decision makers, they are secretly laughing. The bank is really good. If there is no bank, how can there be everything today! International investment uses low-interest long-term loans from banks, and low-interest short-term loans from banks for the development of domestic companies... Banks have simply become their nannies! Let's put it this way, if Li Yikang had proposed to establish a bank at that time, it was estimated that many people would agree immediately, although many people would oppose it because they were worried about the accumulation of funds, because the situation was not urgent enough to establish a bank. First of all, energy companies have reached the point where they have to make a deal. The huge demand for capital makes other things secondary. Secondly, the company has invested in two domestic banks and held hands with the Bank of Hindustan. There is no need to establish another bank. Of course, the bank has not fundamentally entered decision-making. The agenda of the department! However, the development of the situation has prompted them to pay more and more attention to this industry. After the economic crisis, especially after the end of the Southeast Asian War, there were more and more bank loans. The previous debts have not been repaid, and new debts have been born again. At the peak, they even reached 3 trillion, which made them breathless. "D Demolition the east wall, make up for the west wall", "loans from banks" Pay back the bank loan! Over the years, the statistics have made the headquarters more and more aware of the importance of the industry, and the tens of billions of bank interest every year also makes some people feel that it is not worth it. How much effort does it take for the company to earn it back!

Establishing a bank is good for the whole company. They know very well that the funds of each company are not enough, and often a large amount of money cannot be used. Soon, there will be a shortage of large amount of money, and it is not convenient to deposit in the headquarters, and there will always be some helpless losses. What makes them feel that the problem is serious is the energy company, which is often big. The flow of funds forces the headquarters to seriously think about this problem that is related to the whole situation! The fairy never thought that she would enter an industry where they couldn't even find out the depth. According to the survey, in fact, energy companies that are relatively difficult to finance, whether they are international giants or large companies, have book funds of more than hundreds of billions of yuan, and some big giants even more than 8,000 yuan, although they have a lot of debt. It must be surprising! Companies as "good" as Fairy Energy are very rare. At the same time, there are very few large companies that lack book funds. Energy companies not only depend on the amount of debts and arrears, but also on the amount of book funds. Generally speaking, as long as the debts and arrears arrangements are reasonable, the more book funds, the more beneficial to the company. The energy company has made requests to the headquarters more than once. According to Zhou Ruquan, either the headquarters will continue to inject capital on a large scale, or let him borrow directly from the bank to enrich the company's capital pool! The Fairy headquarters also had to pay attention to the opinions of its subordinate companies. The reality is clear, and they are not unclear about the market demand. Therefore, the bosses of the Fairy subsidiaries have received inquiries from the headquarters, but what makes the headquarters very discredited is that almost all the senior leaders have agreed, and there is not even a single person. Objection!

The fairy is determined to build a bank, and the Li family is determined to build their own bank, and how to build a bank, what kind of bank to build, and when to build a bank has become an important problem for them! Investment requires funds, which requires that it can only be implemented after the company's overall financial improvement, which is also very clear! In 44 years, this opportunity has finally come. According to the forecast, the income of the fairy headquarters should be more than 900 billion yuan. In the next few years, the income will be more, and the phenomenon of continuous loans will be less and less. For example, the amount of up to 1.4 trillion in 45 years can be fully repaid. At the same time, according to the energy public According to the company's opinion, the establishment of a bank this year is more conducive to the company's business development. Within the Li family, there was also an agreement on the establishment of a bank, and it was decided to be named after the two companies of the family, which were managed by the fairy. Banks take storage and loans as their main business, accept social deposits and undertake loan business to various companies. Of course, this has obvious characteristics of Li or fairy. The basic function of the bank is to provide a capital operation platform for its companies, making it a more convenient control and support tool for the headquarters for companies. . Originally, according to what they mean, this is completely their own business. Just close the door and do it slowly. At the same time, the fairy headquarters also believes that this is just their own business. It's up to them. They don't need any partners, they just need to make appropriate help from the conveniences of some partners. However, some people do not want the Li family or fairies to be self-righteous, to include the Li family in the "right track" and limit the family to the controllable range, which is what they prefer to do; it is just that some people are very unwilling to "be stained by the secular world" and are very reluctant to others to share their possible profits. However, the Li family was so "too weak" that it could not resist the pressure from many aspects. In the end, it had to accept the "unreasonable requirements" of other banks to participate in shares.

The Li family is very reluctant to make some people's proposal for ICBC and other banks participate in shares. Although they know that it is impossible to refuse their "goodwill", they have always dared to make a "hard request" to own at least 80% of the bank's shares. After several negotiations, they finally reached an agreement. Now that you realize that it is impossible to own the bank's shares exclusively, and now that two partners have been involved, why can't you look for other partners? With this consideration, they first solicited the opinions of the fairy headquarters, and then the opinions of the subsidiaries were also consulted, and finally set the goal of two more confident banks. The Bank of Hindustan was very interested in participating in shares, but was very dissatisfied with having so few shares, but they had nothing to do with the Li family. It is quite good to be able to enter Li's Bank. After thinking about it, under some pressure, I have to accept this unequal treatment! Deutsche Bank is also very interested in the equity proposal put forward by the fairy. After all, it is very rare to directly infiltrate this which is said to be the most promising consortium, but it also raised different opinions on the shareholding ratio, and even politely refused it on the spot. In their consciousness, it is impossible to have so few shares. Accepted, especially the Li family owns up to 80% of the shares, but they can't stand the public relations pressure of the Spike family. The Spike family also doesn't know why this friend is so stubborn. Since they want to create a bank and are looking for a partner, it should not be this way. However, when friends ask for help, they are still determined to help. As a result, the four partners of Li Bank have divided up "up to 20% of the shares". Li's Bank has entered the business channels of various partners and can use the partners' branch banking facilities around the world without paying any fees. Correspondingly, the participating banks can also "use her business channels", but according to the analysis of some critics, the fairy's move is obvious. "Capture" is the "compulsory looting and use" of the existing funds of the participating banks. It is almost impossible to open a branch to carry out global business. In fact, Li's Bank has made good use of these branches in its subsequent development, although she has also established some branch banks.

When the fairy was preparing to build a bank, Li Shikang was leisurely enjoying their "exclusive" life. The young people who returned to Beijing sought a job in a bank and continued to recharge themselves, but more time was spent on completing the importance of a member of the Li family. Responsibility, but when he heard that the bank was finally going to be built, he knew that "the opportunity was finally coming"! As a blood member of the Li family, he inherits the dual characteristics of his parents. He has both his mother's dedication to work and his father's "roletic and lustful", which is relatively special in the whole family. At present, he is still a key figure in women's pursuit. The society knows that the Li family does not prohibit polygamy, and that some people no longer have a chance, but he knows that he has not made any gossip so far. At home, the women were led by Sun Yaxuan, and even he himself respected this dignified and beautiful wife, just like his father's usual behavior! Li Shikang is certainly very clear about the family's determination to set up a bank. This is what he has been looking forward to for many years. He is willing to let go of the opportunity, and he is sure that with his ability, he can get a corresponding position in the bank and become one of the new generation of entrepreneurs. He flowed the blood of the Li family. Although he knew that he could not reach his father's height, under his own situation, he also decided not to be worse than anyone else. With his own efforts, the Li family will be stronger and prosperous! He quickly put forward his own request. Li thought about it internally for a long time and was seriously inspected by the Fairy Headquarters for a period of time before finally agreed. Therefore, on September 5, 1944, he resigned from the Beijing Branch of the Industrial and Commercial Bank of China and became the president of the Beijing Branch of Fairy and Xixing United Bank a month later!

The status of the Beijing branch is very special, not only because it is the first branch before the bank's official operation, but also because of the importance of its geographical location. First of all, the Beijing branch is located in the Fairy Building, which is the location of the Fairy headquarters and is a symbolic building. When the headquarters is relocated, a large number of left-behind departments will still be left behind. In the company's planning, this will be their only branch. Secondly, Li has been operating in the northern region for more than 30 years and has many industries and profound influence. Although the headquarters of each company will be moved away, it will certainly not give up this "base". What's more, the northern region is already one of the most concentrated areas of their industries, and it is bound to leave some heavyweights in command. And coordination. Moreover, once the fairy moves south, it will largely fade out of its influence in the north, especially in Beijing, which will inevitably give people a feeling of giving up Beijing. At the same time, the Li family will also give people a feeling of going to the sky. Although the transportation between Fairy City and Beijing is extremely convenient, the status of Beijing as the capital is too important. It is necessary to leave important family members in charge, and who is allowed to stay is also quite difficult for some people. In order to maintain an important influence in Beijing (or the central government), important members of the family must be left behind, and they must be people in the core circle of the family industry. Although there are quite a few people who can meet the requirements, the second, seventh and fourteenth parents of the Li family, including the parents of Xu, are considered suitable candidates, but these people None of them can stay in Beijing, because they are either the heads of the head offices or have nothing to do with the industry in Beijing! Of course, there are still many family members who will continue to stay in Beijing, at least they will not leave soon, but the weight of these people is not enough. They are either limited by the selection of careers or the industries they operate do not have enough influence. For the Li family, no matter how many people stay, as long as there are no heavyweight business people, It will definitely reduce the influence of the family sharply! However, the establishment of the bank has eased people's concerns, or given some people another choice. Let's put it this way, if the Li family leaves the bank headquarters in Beijing, where the banks are full of banks, even if all the fairy departments move south, it can still maintain a strong influence (mainly political aspects), or even "comparing electronic public". The company is still bigger." Sure enough, although Li did not leave the bank headquarters in Beijing alone, it regarded the Beijing branch as a special branch, leaving young children who were already able to take on major responsibilities to sit in person, and there was a hidden tendency to coordinate various industries in Beijing.

The southward migration of the Li family and the fairies has become a forgone conclusion, which is the consensus of the critics. In their view, giving up Beijing is undoubtedly a "great loss" and may "lose the momentum of strong development", but any concern can no longer resist the pace of southward migration. There is news about the fairy industrial city everywhere in the news media, and some media claim that they have "confirmed" the news that the headquarters of fairy industries have sorted out and is about to relocate. In this case, another bank has emerged. Isn't it deliberately disturbing people's sight? Who is Li Shikang, "the young son of the Li family" and "romantic" Is it appropriate for the youngest member of the new generation of the Li family, who is completely opposite to the personality and image of the twin brother, to "Stay in Beijing"? Can he take on such a heavy responsibility? Can the Beijing branch save the negative impact of the southward migration? People have expressed their views on this. In fact, in everyone's opinion, Li Shikang is indeed a good left-behind person. The social image of "the lustful son" alone makes people remember the reality that the Li family "still stays in Beijing"! Therefore, although the Li family has not moved south and the fairy has not moved away, some people have regarded him as a kind of representative. The simplest phenomenon is the obvious increase in social activities. The family "gathers less and disperses more" and "unspeakable suffering"! The Beijing government has tried its best to "dissuade" Li's southward migration, and even put forward proposals for them to build an industrial city. Many Beijing citizens are not willing to move to the south, which is equivalent to moving a large number of employment opportunities. Almost every day, many people go to the fairy headquarters to "pite"... However, all this can't stop Li's " Insist on leaving." Not only the local government and people have accepted the new "Beijing person in charge", but other sectors, especially the business community, have also begun to accept it. Whether it is competition or cooperation, it is appropriate to support the audience. Maybe it will not be long before they will confront this "little shrimp" head-on!