Rebirth 2006, creating a super consortium

Since there are benefits, An Xin certainly doesn't want to miss it, and immediately said cheerfully: "Secretary Zhang, it would be great if the province can give us a restricted area business license, but I don't know what specific restrictions are there?"

Zhang Ze did not hesitate and directly stated the terms of the transaction: "The deposit reserve ratio of Yuanfang Bank needs to be increased to 20%, and the deposit reserve ratio needs to be increased to 10%!"

That's it?

Isn't this too simple?

An Xin raised her eyebrows in slight surprise.

To be honest, the transaction conditions offered by Zhang Ze were really loose. It only required raising the depositors' deposit base rate to a baseline of 30%!

Tsk tsk tsk, this isn't even a restriction!

An Xin welcomes this so-called restriction!

But when it comes to trading, you should try to get more favorable conditions if you can, so you started bargaining: "Secretary Zhang, if I remember correctly, the deposit reserve ratio of other domestic banks is 10%, and the deposit reserve ratio is 5%, but when it comes to Yuanfang Bank, it's all doubled. To be honest, you're a bit too harsh!"

"I wonder if we can lower it a little bit? For example, if we add the two together to reach the 25% baseline, what do you think?"

Zhang Ze ignored An Xin's bargaining and shook his head firmly, saying with a smile: "Anyway, the terms of the deal are here. In the end, it depends on whether you are willing to accept it!"

Are you willing to accept it?

Nonsense, I'm definitely willing to accept it!

You have to know that this kind of opportunity is not something you can get easily. It can even be said that this kind of opportunity is what countless financial companies dream of having!

After thinking it through thoroughly, An Xin was about to accept the deal when she suddenly realized something was wrong, but she had no idea what exactly was wrong!

It doesn’t matter if you have no clue, don’t we still have Zhang Ze?

An Xin asked hesitantly, "Secretary Zhang, this matter is not that simple, right?"

"Oh?"

Zhang Ze looked at An Xin with a half-smile and asked, "Why do you say that?"

Something is definitely wrong!

An Xin almost blurted out the MMP in her heart!

I was wondering, how could the restrictions be so lax?

After adjusting her mentality a little, An Xin said straightforwardly: "Secretary Zhang, please stop torturing me. If you have any other conditions, just tell me directly!"

Zhang Ze was amused and said teasingly, "Haha, I was praising you for being steady before, how come you suddenly let the cat out of the bag?"

An Xin was a little annoyed, and smiled bitterly: "Secretary Zhang, don't make fun of me. I just want to solve the funding problem as soon as possible, and then promote the implementation of the steel project and the bank project as soon as possible."

Zhang Ze restrained his expression, looked at An Xin very seriously, and slowly said: "Okay, then I'll be frank with you, you just need to agree to two more conditions!"

“First, the relevant businesses of Yuanfang Bank in the Mainland must be physically registered in the Mainland!”

“Secondly, Yuanfang Bank must ensure that it will not provide separate funding channel services for certain people in the future!”

"As long as you agree to these two conditions, this restricted area operating license will belong to Yuanfang Bank!"

As soon as these words came out, An Xin immediately captured the key information!

Yuanfang Bank must ensure that it will not provide separate funding channel services for certain people in the future!

As expected, the other conditions are just minor details. This is Zhang Ze’s real purpose!

Something is wrong!

An Xin suddenly remembered some sensational events in her previous life!

Could it be that the layout targeting certain people had actually started from this time?

Yes!

Although this guess sounds extremely outrageous, it is indeed the only guess that can perfectly explain all the doubts!

This speculation also made An Xin feel as if she had fallen into an ice cellar, and her whole body was cold!

After noticing An Xin's strange expression, Zhang Ze squinted his eyes and smiled, saying lightly: "Xiao An, I think you are a smart person, what do you think?"

Zhang Ze's words were both a compliment and a warning!

An Xin knew this very well. After careful consideration, she said in a deep voice, "Secretary Zhang, no problem. I can agree to these two conditions, but I also have an additional condition!"

"Oh?" Zhang Ze looked at An Xin curiously and said, "Then tell me about it!"

An Xin didn't hesitate and directly put forward her conditions: "It's very simple. Micro Times Company is preparing to establish an Internet payment platform. I hope Secretary Zhang can help connect the bank channels of the payment platform!"

Zhang Ze frowned, thought for a moment, and asked uncertainly, "Internet payment platform? Is it a platform like Alipay?"

An Xin immediately nodded and responded: "Yes, it is an Internet payment platform similar to Alipay!"

Zhang Ze spread her hands in confusion and said, "But at present, there are no specific policies and regulations in this regard in China, so you don't need to open any bank channels at all. You can boldly try and innovate!"

An Xin shook her head slightly and said calmly: "Secretary Zhang, I don't deny that there are indeed no specific policies and regulations yet, but what about the future? Who can guarantee that relevant policies and regulations will not be suddenly formulated and implemented in the future?"

"And it is precisely because there are no specific policies and regulations yet that we are uncertain. After all, if there is no policy or regulation to support it, it means that there is a gray area in the industry. In this case, can any settlement bank take advantage of this gray area to impose relevant penalties on us?"

"If we are really punished then, who can we turn to for justice?"

"Besides, if it's just a fine, it's fine. At most, we can just consider it as paying for the disaster! But I'm afraid that the settlement bank will suddenly accuse us of illegal fund-raising. Then I won't be able to explain myself!"

Zhang Ze was stunned when he heard this, but after thinking about it carefully, he felt that An Xin's worries were not unreasonable!

At this time, the relevant domestic agencies may really do such a thing!

After a long pause, Zhang Ze said, "I understand what you mean. What do you want me to do for you? Connect with the bank? If so, how do you do it?"

An Xin was just about to ask Zhang Ze to help connect with the four major banks, but suddenly a better idea flashed in her mind. After quickly organizing her thoughts, she smiled and said, "Secretary Zhang, can we do a financial pilot after Yuanfang Bank is established? For example, allow Yuanfang Bank to become a pilot settlement bank for the Internet payment platform. In this way, we don't have to bother other banks!"

Zhang Ze asked in confusion: "Even if Yuanfang Bank is established, it is only a regional bank. How can it achieve full-scale settlement?"

An Xin smiled slightly and explained: "As long as the distant bank has the settlement qualifications, the rest is a matter of payment methods. We will coordinate with other banks!"

Zhang Ze looked at An Xin deeply, then nodded slowly and said, "Okay!"

He could probably guess what An Xin was going to do, so he was willing to let An Xin try the waters.

...