Chapter 403 Corporate Loan Business (Happy New Year's Day!)

Wei Hao repeatedly looked at the line of words with excitement.

That's right.

The meaning of the text is indeed that Asian dollars can be borrowed to purchase these industrial equipment. Thinking of this, Wei Hao finally feels that the Bank of Myanmar has begun to play a truly powerful role as a bank, which is to provide financing channels.

Bank of Myanmar has been established for less than a week.

It's only halfway through, two days away.

The overall business is only deposit, withdrawal, card swiping, transfer, currency exchange, which are quite simple and crude. No other financial services have been launched, fixed deposits have not yet been implemented, and foreign loans are naturally not available. shadowy.

Now, the economy in the territory has gradually become active, and the demand for funds by businessmen is getting stronger and stronger. In the absence of formal financing channels, a private lending market has even formed, with a low interest rate and a monthly interest rate of a percentage At about 1.5%, the annual interest is only 18%, which is quite low. It can be said that it is the loan price of cabbage, but it is not because they do not want to increase the interest, but because if it is higher, the security team will come to arrest people.

This is also the reasonable private lending interest rate that Tang Qing wanted to maintain before. He did not open a bank before, so he could only stabilize private lending. He did not dare to think about the 1% monthly interest rate. Others have no system and can be like him. I don't care how much I earn, so I set the upper limit at 1.5%.

If you are tall, you will be arrested.

When the bank opens up the corporate loan business, it will completely suppress the interest rate of private lending again, and maintain it at around 1 and 1.2. As for the bank's personal loan business, it will take a while, and the bank will take time. To establish a credit file, the second is that there are not many large items that spend money in the territory, there is no commercial housing, no cars, even mobile phones have no signal, and no electricity is connected to every house.

'Business' is really small.

It will take at least a month for a 'luxury' to appear.

business loans.

This is the main purpose of this investment conference.

It is to complete the loan task of 10 billion Asian dollars.

In fact, the various companies under the Bank of Myanmar can completely complete this task. After all, they are heavy industry and high-tech equipment, which are of great value. However, each factory has not been built yet, so it is impossible to buy them all at once and put them aside. Well, who's to let it go.

Another method is to take out the loan and deposit it in the bank without spending, but this method has been rejected by the system. Any loan that is not urgently needed by the enterprise and is for business purposes will not be counted as valid loans.

So Tang Qing had to find a way from elsewhere.

That is to expand the economic scale of the territory, carry out the layout of the whole industry, and let everyone come to the loan, so that this task can be completed quickly, not only that, but also create more employment, which is conducive to completing another task of absorbing deposits.

Loans issued, either to individuals or to businesses, will be counted as loans.

However, deposits are different. Only the savings deposits of residents can be included in the calculation, and corporate funds are not counted due to their large liquidity.

This is a bit of a hole.

Weird statistic.

In addition to complaining, Tang Qing has no choice but to slowly develop the economy, earn more foreign exchange, increase per capita income, and expand the scale of the economy.

He has the feeling of playing construction games.

I really don't understand how complicated it is for a banker to do it.

"Leader Zero, can we take out a loan to buy these equipment?" Wei Hao quickly stood up and asked after seeing it.

Zero slowly said: "Yes, you can buy these equipment with a loan, with no interest for three years, after that, 6% of the simple interest is calculated every year, and the upper limit is ten years. If you choose a loan, these equipment will become the shares of your registered company. The Bank of Myanmar will first hold and supervise it. You must provide financial data every month. When you earn enough money, you can redeem the loan according to the loan you owe. Before the loan is repaid, the banking industry enjoys share dividends.”

Simple interest of 6% is 1 million yuan of equipment. After three years, an extra 60,000 yuan will be paid every year, and it will be the same every year. At that time, he had already charged a high 'transfer fee'. For example, the market price of equipment of 10 million yuan was only a little over 3 million in the mall, but the price it sold to these merchants was more than 6 million.

Just doubled.

Everyone makes money.

Even some equipment with higher technology content, the more the price difference is, the more you earn.

Therefore, the interest or whatever, the symbolic collection point is that, because of this, there will be no interest-free first three years.

Wei Hao has no doubts.

The others were also very pleasantly surprised. They thought that they would have to borrow money this time. They didn’t expect that Bank of Myanmar would directly solve their own problems. As for those conditions, they quite agreed, but they didn’t know whether the price of the equipment was fair, but it was fast in the territory. When developing, there are also license restrictions to limit competition, and the price is not too unacceptable.

The merchants had green lights in their eyes.

Zero continued: "Okay, you can start voting now. In order to improve efficiency, each of you can choose three industries in each round. If you are the only candidate, you will automatically get the operating license. If there are two candidates, if For example, it is a brick factory with a strong regionality. It is inconvenient to transport. There will be a brick factory in a town. At that time, you can choose multiple options, but if the upper limit is exceeded, a lot will be drawn. After the first round is completed, the remaining projects will be counted and disclosed. You keep voting."

heard.

The following businessmen began to choose the industry they want to do with pen and paper. Hundreds to choose three, the probability is low, one by one thinking hard, some want ten, but there is no way, only three can choose, and finally can only choose two.

ten minutes later.

They handed over the notes in their hands with tangled faces. The opportunity cost of this vote was so great that they felt distressed.

Collect the votes, the soldiers count the votes.

Announce the results.

Some are happy, some are sad, and some are about to cry.

first round.

Wei Hao and the others cast lots, won, and obtained the qualification of a plastic factory.

The other two voting items lost.

second round.

Wei Hao drew lots and obtained a license for a brick factory, but it was not the two towns under construction, but the one on Caisu's site, and he danced with joy.

then.

Third round.

It wasn't until the fourth round that the businessmen of the 'private enterprises' in the entire hall chose the industry, and those 'state-owned enterprises' remained silent.

"Okay, your choices have been counted. Tomorrow, bring your ID and bank card to the Industrial and Commercial Administration to register a company, lease a liaison site, recruit personnel, buy land for building a factory, etc. As for the design of the factory and equipment installation work Someone will discuss with you, and now I will announce one more thing, in the future, the Bank of Myanmar will open up its corporate loan business, and you can use your corporate credit to lend to the Bank of Myanmar for your usual business behavior." Zero Slowly said.

In the early stage, these bosses are likely to have a lot of money. Selling land, renting houses, and recruiting people will cost money. It is estimated that a lot of loan tasks will be completed in the past few days. Tang Qing even wants to implement the system of paying wages first in the territory. , I can get more loans, but it is a bit troublesome to think about it. As soon as I enter the company, I will be paid a month's salary immediately. I think that there is no such good thing in the world, so I still did not pass this 'brain pumping' plan.

then.

Zero also announced the policies to encourage industry and commerce in the territory one by one.

The following is more and more exciting.

Three years of business tax exemption.

Export tax rebate.

Land concessions.

business loan.

Industrial support policies.

Done.

Even at the end, Zero also announced a major news that in the future, four insurance systems for pension, medical care, work injury and maternity will be introduced in the territory in one month, and all employees of the enterprise must pay compulsory contributions.

There is no unemployment insurance and provident fund in it, because as long as there is strength in the territory, there will be no shortage of work, and there is no shadow of commercial housing, and even the welfare housing system will be implemented in the short term, so it is not added.

The bosses didn't say anything after listening. The 'master' of this land has spoken, and it's just that, how dare you say nothing more, and after that, it doesn't add up to much, and it's not a loss.

This time it is an internal meeting of the territory. They are all businessmen born and raised in the territory. Next time, I will invite outsiders who are optimistic about the economy here. I am not afraid of not having it, because the lower limit of mobile phones will be available by then, so 'high-end' Industrial strength, I believe that many people's eyes will focus on this.

At that time, Tang Qing will come up with more investment projects. If the conditions are right, he can use technology and equipment to exchange the market. At that time, the whole territory will start to go on the right track.

It was also the time when the Bank of Myanmar began to exert its strength.

After the meeting.

The merchants went back happily.

Prepare to open company information and start a new life. Why do you have confidence in these projects? Because of the license system, which is equivalent to local protection, coupled with zero-perfect industrial planning, it will definitely not make the company less profitable.

As for where those devices came from, that's not something they should think about.

at the same time.

Wangsa's side also knows the business policies and structures in the territory.

Doubtful.

Zero didn't ask him to buy these equipments, how did he start this factory? Is it the equipment provided by Myanmar? But there is no news at all.

never mind.

Hold on.

In fact, Wangsa didn't want to take over this business, because the equipment involved was too extensive, and it was too troublesome to get it.

Wangsa also prayed that Zero would not look for him.

But what he could not have imagined was that it was impossible for Zero to go to him at all. The equipment that Wangsa could sell were basically low-tech equipment, and some were still obsolete. How could they compare to the latest industrial products in the mall? equipment.

Who wants those junk in Wangsa?

PS: Chapter 3, that's all for today, tired! !