The soldiers and horses must go ahead with food and grass before they move. Where to get food and grass, you have to buy it with money. This matter fell to Pan Jie, who was the president of Hua Xia United Bank's East China Region at the time.
The financial process of Hong Kong-funded companies is international, in other words, it is very complicated. Pan Jie has to not violate the financial requirements, but also ensure the supply of funds, which is not simple. Of course, he can ask Yao Yuan to give orders, the big boss said
No matter how much money you say, you can move it.
The question is, what if Yao Yuan is no longer Mr. Yao? What should the company do?
Therefore, the reason why a system is a system requires everyone to abide by it. This is Pan Jie's understanding. He completed the task brilliantly, so that no one could find fault with it, which reflects his ability.
"Dr. Yu, please don't praise me. You don't know what my situation is now. It can be said that I am in dire straits." Pan Jie said with a sad face.
Yu Yongan rarely saw Pan Jie like this, and it looked like he was indeed in dire straits.
"Tell me, I will help anyone who can help me. This time you are cooperating with me in such a drama, so I have to help you with this too." Yu Yongan said.
Pan Jie said, "You know how strong the opposition is to Mr. Yao's proposal to issue operating credit loans to private small and medium-sized enterprises. Hua Xia United Bank can be said to be the cornucopia of our spring breeze enterprises, and it is also an insurance. It goes without saying that its importance is
Because of this, everyone above and below is afraid of being ruined. I can understand their opposition, but in the long run, our private economy in China will definitely develop, and the scale will definitely be large. I firmly support this.
Mr. Yao’s opinion.”
He put on his glasses, rubbed his hands subconsciously and said, "Now it seems that we have taken a big risk. The maximum credit limit for credit loans is 100,000 yuan, which is 100 million yuan for one thousand companies. There are thousands of qualified companies in the Yangtze River Delta region alone.
I’m not afraid of your jokes. When I was signing in Shanghai, my hands were shaking more and more the more I signed, and hundreds of millions were gone.”
Yu Yongan asked, "How many have been released now?"
"It's almost 3 billion, and I'm walking a tightrope every day," Pan Jie said.
Yu Yongan was dumbfounded, "Three billion? Are there 30,000 private enterprises?"
"Dr. Yu, if you really count, there are probably tens of thousands of households across the country," Pan Jie said.
Yu Yongan was even more dumbfounded, "How many tens of thousands?"
Noticing Yu Yongan's expression, Pan Jie explained, "I'm not talking about the official statistics. If calculated according to the standards set by Mr. Yao, there are really tens of thousands. Mr. Yao said that only those with business licenses, including
Individuals who are self-employed can apply for a credit loan of at least 3,000 yuan from us. It doesn’t look like much, but it’s overwhelming. You don’t know, when this policy was first launched in Shanghai, there were people queuing up all night outside the business hall.
Sleepless, the scene is extremely bad."
"In addition to these, there are medium-sized enterprises, generally with assets of more than one million yuan. They often have good development prospects but lack funds to expand production scale and improve technology. After our investigation, we have found that such enterprises meet the conditions.
Generally, the loans approved are over one million, and of course they are mortgage loans, but our efficiency and threshold are much lower than those of major state-owned banks."
"Totaling these three categories together, three billion is really not much, and it is still growing. After Guangdong Province also promotes it, this loan business for private small and medium-sized enterprises alone will be able to provide 10 billion every year."
Yu Yong'an was really shocked. He shook his head and said, "Pan Jie, you are not walking a tightrope. You are walking on a tightrope and becoming independent."
"I can withstand the pressure no matter how great it is. The key is that people's hearts are unstable. I really can't bear it anymore. So when I come to Nangang this time, I want to meet Mr. Yao and ask him to come forward to say something or give instructions.
As long as Mr. Yao speaks out, people's hearts will definitely be stabilized," Pan Jie said.
Yu Yongan calmed down now and said, "You mean, you want to ask Mr. Yao to stand on the platform for you?"
"That's right." Pan Jie nodded.
Yu Yongan changed his sitting position and started thinking.
After a while, Yu Yongan slowly spoke, "Pan Jie, don't you want to be the president of Shenzhen Development Bank and the chairman of Shenzhen Development Bank Co., Ltd.?"
"Dr. Yu, what do you say? I have no intention of giving up." Pan Jie said quickly.
Yu Yongan said in a deep voice, "What you do is almost as good as not wanting to do it."
"This..." Pan Jie was confused.
In terms of professionalism, Pan Jie is ahead of Yu Yongan. In terms of age, Yu Yongan is almost fifty, more than one round older than Pan Jie. In terms of experience and worldly experience, Yu Yongan is in turn ahead of Pan Jie.
Yu Yongan finally regained his sense of superiority in front of Pan Jie, a former executive of a major international bank. He cleared his throat, picked up the tea cup and took a sip of tea.
Pan Jie quickly took out a cigarette and handed one over. He bent down and lit it for Yu Yongan, "Dr. Yu, teach me."
"Seeing that you are so sincere, I will give you some advice." Yu Yong'an was satisfied and said slowly, "Let me ask you, why did Mr. Yao give you this stall of Shenzhen Publishing House?
."
Pan Jie opened his mouth, but couldn't speak.
He wanted to say that it was because I was professional and because I had worked as a senior executive in a major international bank... He could come up with a bunch of reasons, but now, Yu Yongan was obviously not asking about these.
So, he couldn't speak out because he had never thought about this problem.
Yu Yongan liked to see Pan Jie like this. He enjoyed it very much. He showed his attitude and stopped trying to impress Pan Jie. He said, "Don't blame me for saying nice things but not being nice. In terms of professional ability, you are not the best.
If you want to find Mr. Yao, there are plenty of people who are better than you."
"Yes, it is indeed." Pan Jie understood a little bit.
Yu Yongan said, "Of course, professional ability is also very important, but it is not the most critical. What Mr. Yao values is your character. Do you feel that character has nothing to do with the problem you want to solve now? No, it does not matter.
Very big. What is character? The extension of character is prestige."
"Mr. Yao has put you in this position because he has high hopes for you. Mr. Yao told me before that the total assets of Shenzhen Development Bank will reach 1 trillion in 20 years, 1 trillion.
I didn’t believe it at all at the time, he was a bit of a braggart, but just now I heard you say that you had lent out 10 billion in loans alone in one year, so I started to believe it.”
"Think about it, you are in your thirties now, and twenty years from now you will be about the same age as me now. It is the time to start your career. By that time, the person sitting in the top chair of Shenzhen Development Bank will still not be your butt.
?Isn’t it? It depends on now.”
Pan Jie nodded blankly, suddenly realizing, "If I can't pass this level, I won't be able to pass it in the future."
"So, if you go to Mr. Yao for help now, Mr. Yao will definitely be able to solve the problem. But in the future, if you encounter problems again, will you still have to rely on Mr. Yao? Then tell me, what does Mr. Yao want you to do?
"Yu Yong'an said.
Pan Jie understood it completely and was so frightened that he almost ruined his future. He shook his head and smiled bitterly.
"You owe me a drink, don't delay it, just tonight." Yu Yongan said with a smile.
"Eating seafood and drinking Maotai, Mr. Yu, I will arrange it tonight." Pan Jie said word by word.
At this moment, the phone rang. Pan Jie took it out and looked at it, "Unfamiliar number."
Then it was connected.
"You are...oh, Miss Zhi, oh, okay, let's go to the Taihua Hotel. I happen to meet a friend here."
After hanging up the phone, Pan Jie said, "The fish is hooked."
Yu Yongan became more energetic, "The next scene is up to you."
Pan Jie said, "I'll call Brother Gong at Sihai Restaurant tonight."
After saying that, he called to make arrangements for dinner tonight, and continued chatting with Yu Yongan until Zhi Yuye arrived at the Taihua Hotel and booked a tea table, then slowly went downstairs.