Chapter 151 Bank Ownership Issue

For the establishment of a separate bank for the workers' new village project, Xie Liaosha fully understood the status of this project in the hearts of high-level officials. When he left Ryzhkov's place at the earliest, Seryozha had won the right to accept deposits from the public, issue loans, and part of the foreign exchange disposal rights for this bank that was still on paper. However, these rights are slightly different from those of the four major domestic banks, that is, these businesses must be used for the construction of the Moscow Workers' New Village Project.

Still, it's groundbreaking. However, what Seryozha valued was the convenience of banks in terms of capital flow. Although in Ryzhkov's office, Seryozha claimed that he had no talent and experience, but this was just an excuse for Seryozha. In fact, if you think about it carefully, over the years, the Gorky Mutual Aid Association has been doing banking business in the name of charity. He absorbed donations from members of the Communist Youth League in Gorky and Uzbekistan, and then lent the money to small businessmen who were doing business in the mutual aid market, as well as some members who were really suffering in life. This series of operations helped Seryozha maintain a certain amount of profit on the books of the mutual aid association while laundering money and helping clients transfer assets.

Since its establishment, the Mutual Aid Association has gradually worked out a series of rules and regulations. In fact, in the Soviet Union, a socialist country, talents with the ability to operate commercial banks were rare. So all along, Seriosha has adopted the microfinance system that was once popular in later generations as his business strategy.

In fact, Sergei only knew the general idea of ​​this system. He only knew that this system was born in the hands of an economics professor in poor Bangladesh. in poverty alleviation projects. Seryozha can't recall much. At that time, he only remembered two experiences that the founder said, trusting women, and mutual guarantees among members. Later, in actual work, the Mutual Aid Association summed up a series of effective rules and systems based on the above two points. This system did not disappoint Sergesha. The Mutual Aid Association has been operating very well since its establishment.

Seryozha has now decided to directly reorganize the mutual aid association into a small commercial bank and bring some gray industries under the wing of the bank. In this way, things that can only be done but not talked about, such as selling agricultural products of collective farm members, can be put on the table in a fair manner.

Although the establishment of a bank is a happy thing, there are quite a lot of preparatory work involved, many of which are still very cumbersome. When thinking about these things, Seryozha is one of the first two. And more importantly, how to deal with the supervision of higher authorities after the establishment of the bank, and how to deal with the accounts of those customers. The past method of operating solely by head accounts is about to come to a dead end. With the establishment of the bank, Serezha needs to come up with some more professional, more concealed, and safer methods of fund operation.

But before that, Seryosha had to tell his partner in the Moscow trade union, Korolev, the good news. Walking out of the office building of the Ministry of Economic Affairs of the Central Committee, Seryosha got into his car, and he asked the driver to drive him directly to visit Korolev.

The location of the trade union in Moscow is very remote, and this is the first time that Seryozha has been here in the past six months of cooperating with the trade union. Walking into the building of the trade union, Seryozha was immediately recognized.

"Secretary Ulyanov! Why are you here?" A young cadre hurriedly got up to receive him. During this period of time, the newspapers had been reporting about Sergey's affairs, and they were all positive propaganda, which made Sergey for a short time. Nei quickly became a celebrity in Moscow's political arena, and it was not surprising that he was recognized.

"I'm here to see your Chairman Korolev, but I didn't make an appointment before, so I don't know if he's here!" Seryozha asked aloud.

"Come with me, please. Chairman Korolev is just here!" After the other party finished speaking, he took Seryosha up the stairs and came to the door of Korolev's office on the second floor.

The cadre knocked on the door, which was soon opened by none other than Korolev himself.

"Secretary Ulyanov? Why are you here!" Korolev hurriedly let Seryozha into the room and entertained him graciously.

"I just came back from Minister Ryzhkov of the Central Economic Department. He told us good news, so I came here to discuss with you!" Serezha said to Korolev with a happy face.

"Since you came in person, it must be a great thing, tell me quickly, I can't wait to find out!" Korolev put a cup of tea in front of Seryozha.

"Minister Ryzhkov told me that the higher authorities agreed that we should set up a bank to finance the new workers' village project. I came to you as soon as I heard the news!" After running around in the afternoon, Seryozha was really thirsty.

"This is really great, it's unbelievable that the superiors will let us set up a bank!" Korolev replied in surprise. Korolev walked back and forth excitedly. Suddenly, as if he remembered something, he hurriedly asked Seryosha: "Does this bank belong to the Youth League Committee or the trade union?"

"Youth Youth League Committee!" Seryosha was a little surprised. Why did Korolev ask this? Could it be that the trade union still wanted to rob the bank?

"Please don't get me wrong, I just want to make a suggestion to you!" Korolev heard something wrong with Seryozha's tone. Hastily explained.

"Don't worry, our two departments have always cooperated happily. We will not abandon you to do it yourself. Besides, we are short of manpower, and many things cannot be done without your assistance!" In order to reassure Korolev, Sergey replied to him.

"Seryozha, have you ever thought about what will happen if you leave the bank one day if you hand over this bank to the Youth League Committee?" Korolev asked with a serious expression.

It was only then that Xie Liaosha realized that this was a problem, especially since this bank, Xie Liaosha, had a special purpose, and he was really worried about handing it over to the Youth League Committee. When he left Gorky, he had already gone through this kind of thing once, but at the last moment, the person arranged by the superior was Boris' girlfriend Lilia, and it was a false alarm in the end.

"Have you ever thought about making this bank a purely collective enterprise, without the affiliation of the trade union and the Youth League Committee?" Korolev suggested.

Seryozha had to admit that Korolev did consider it comprehensively. That's a good suggestion. If the bank is still in the hands of the Youth League Committee, then there is the Central Committee of the Youth League and the Moscow City Committee, several mothers-in-law, who are likely to intervene in the normal operation of the bank. Once a dispute of interest is involved, it will inevitably lead to a fierce battle. scramble.

"Chairman Korolev, do you have any other ideas? I think we should have a good discussion!" Seryosha said modestly. (To be continued..)