Chapter 1944 Debate

Xiao Qi didn't know what Niu Ruzheng meant, but he knew that Uncle Niu was definitely not someone who dared to try new things. After a few years, those series of reforms and reforms were all done by him.

Therefore, when he talked about his own thoughts, he was not at all embarrassed: "Uncle Niu, I know that private banks in the mainland are difficult to manage, so I have already taken care of these officials. I went to Hong Kong to buy a bank. When I came back, I wanted to do some new business, which is also beneficial to the country and the people, and they denied it to me without even thinking about it. Isn’t this a strong bureaucratic idea?”

"Go, go, do you know what bureaucracy is?" Niu Ru just laughed and scolded: "In the financial field, no matter how cautious you are, you can't be too cautious. Our banking system is actually not strong. Once foreigners take advantage of the loopholes, it is very likely to cause a huge collapse, and it will be difficult to end at that time!"

Niu Ruzheng was right.

The financial field involves the national economy and the people's livelihood, and it is a very important battlefield in peacetime.

Entering the 21st century, Huaguo's economic development has been overheated several times, and there have been several depressions, but there have been no major fluctuations in finance. It is also because of the conservatism in the financial sector that a strong and conservative central bank is guarding the gates. Those Xiao Xiaoxiao can't make waves.

With the strength of investment banks such as Goldman Sachs, Morgan Stanley, JPMorgan Chase, Citigroup, UBS, HSBC, etc., even the European Union was almost collapsed by them, let alone small countries such as Venezuela, Iraq, Iran, etc. In the end, only Be able to act by looking at other people's faces. It is indescribably aggrieved.

Huaguo has always been a conservative country. Knowing that its strength cannot compare with foreign financial giants, it simply restricts their performance by restricting their entry, so as to achieve the purpose of protecting themselves.

Of course. Such conservatism is not a good idea in the long run.

Because no matter which industry needs progress, once others are making continuous progress, but you have been standing still, when the gap is getting bigger and bigger, I am afraid that you want to go abroad and compete with them. It is becoming more and more difficult to achieve.

Xiao Qi began to retort: ​​"Uncle Niu, you said they don't want my bank to start deposit and loan business, that's fine. But why can't they let me do business that they haven't started yet? I don't say No supervision! My bank welcomes supervision at any time, and we will also report the application before doing each business, and we will not execute it until it is approved. Isn’t this all right?

How many years have been said to let go of the hands and feet of private enterprises. Has it opened up the monopoly situation of a single state-owned enterprise? But I'm not even sure about a very simple idea, so how can private enterprises develop? If you want to say that these banks have outstanding capabilities, just like Goldman Sachs, Royal Bank of Scotland, and UBS, that's all right. The question is, what else can they do besides making trouble? "

Listening to Xiao Qi talking more and more excited, Niu Ruzheng did not have much emotional fluctuations, "Your words are too extreme, such a big country, so many residents' property preservation. They are right to be cautious. Would you like to Seeing that they approved this and that in a big way, and finally ended up going bankrupt like those foreign banks, harming countless ordinary people?"

"Please! Although the Banking Law stipulates that banks can go bankrupt, which bank in a developed country dares to go bankrupt so directly and regardless?" Xiao Qi immediately retorted: "Even if the Bank of Holland failed two years ago, it was the Royal Bank of Scotland. Didn’t the bank acquire and assume its debts? Didn’t the government pay for the big bank that went bankrupt in France? And a small bank just went bankrupt in Japan. Isn’t the government announcing capital injection immediately to avoid panic among the public?”

Niu Ruzheng smiled, what Xiao Qi said was really correct, no responsible country would allow banks to fail, not only Huaguo's regulatory authorities would do this.

"But your plan is really too bold. It is normal for the central bank to have concerns." Niu Ruzheng said slowly: "The online world has no thresholds and boundaries, and it is easy to absorb more funds. This is comparable to the traditional banking industry. The scale is even bigger!"

"Who did you hear that from?" Xiao Qi asked in surprise, "The deposits of the four major commercial banks of Zhongnong Construction Industry are at least a few trillion yuan? We just do a fund guarantee business for a shopping website, how much can we have? Xiaoyao The turnover of the mall last month was only 22 billion RMB, which is only 164 billion RMB in a year, not even a fraction of theirs! Is there any reason for me to be treated so harshly for such a small business?"

"Just change the concept there." Niu Ruzheng once again exposed his foolishness, "Your Xiaoyao Mall only had an average monthly turnover of 16 billion in the first few months, and it has risen sharply since May. Now It’s already 22 billion. As cheap online products continue to gain popularity, at least in the future, the monthly turnover will be hundreds of billions! When it comes to festivals or something, two to three hundred billion a month is not impossible!”

Xiao Qi was really shocked this time: "Uncle Niu, are you saying that our Xiaoyao Mall sells all over the world? Two to three hundred billion a month, even the millions of merchants on Taobao.com dare not say that !"

During the Double 11 Shopping Festival in 2013, Taobao sold more than 30 billion yuan a day, and the turnover of Tmall and Taobao exceeded 200 billion yuan a month, which has set a record. This is Taobao.com, which has a C2C platform. Credit to small and medium sellers.

If it was replaced by a B2C platform shopping website, Jingxi could sell 50 billion in a month, which would make the milk tea brother-in-law laugh from ear to ear.

Xiao Qi is confident that Xiaoyao Mall will become a super B2C overlord with a monthly turnover of 200 billion yuan, but this cannot be accomplished overnight. It is not that Xiao Qi is willing to invest money to achieve the goal, but people's buying habits need to be changed. , at least as the young people of this generation become parents, can there be hope to achieve it.

You know, most of the women who are the biggest shoppers in the family unit are in charge of finances, but most of them don't know how to surf the Internet!

Explosive growth can only be ushered in after young people grow up to their level. This is an important reason why Xiao Qi estimates the B2C online shopping market to be two to three trillion yuan a year.

As for now, it is pretty good to maintain 20-30 billion a month and reach 50 billion a month in 2012.

Even if the scale of 200 billion per month is reached, the scale of Xiao Qi's Fairy Bank will expand, but the focus will still be on financial products such as Yu Wobao.

People at that time were used to online shopping, and naturally they were also used to online financial management. Those old people’s money in the bank will definitely be diverted to financial products in online banking. 10 trillion is not impossible! !

This is Xiao Qi's real long-term goal!

But at this juncture, the road still needs to be taken step by step.

Seeing Xiao Qi so excited, Niu Ruzheng also smiled.

He himself came from a background in economics, and he knew Xiao Qi's several industries well, so he naturally knew that what he said just now was a bit exaggerated.

"It's normal for the central bank to worry about the third-party trusteeship you have, but don't give up on continuing public relations!" Having said so many shocking words, Niu Ruzheng did not forget to mention him: "Aren't you Are you going to poach MCA? Don’t you have a good relationship with Hong Kong rich people? Hong Kong is a financial center that the country attaches great importance to. You ask those rich people to help you organize a delegation to come and formally contact the regulatory authorities. Make it louder, so I can help a bit here, and see if I can let you try it."

"Uncle Niu, you are so serious!" Xiao Qi smiled suddenly, "This is a good idea! You can't let the Hong Kong compatriots down, right?"

"Disappointed or not, that's not what I say, everything depends on your performance!" Niu Ruzheng smiled, "It's also fortunate that your current scale is small, with a running account of 10 to 20 billion a month, which is easy to supervise. Even if some mistakes are found, it is very convenient to stop them and will not cause much harm.”

"Look at what you said, this is a legitimate business, and I will definitely do better and better in the future. How could it be harmful?" Xiao Qi hurriedly said solemnly: "We promise to do a good job in this matter, for the future of the country. Accumulate a little more experience in the supervision of this business! It can be regarded as a pathfinder!"

Niu Ru smiled and said nothing.

He helped Xiao Qi, of course because he wanted to help the child and let him develop better, but what was more important was what Xiao Qi said.

Internet finance is inevitable in the future. Instead of passively accepting it, it is better to slowly participate in it from the beginning, so that the central bank and commercial banks can accumulate experience, so that they can also get involved in this business in the future and continue to stabilize the country. The financial system does not allow those with ulterior motives to take advantage of it.

Xiao Qi is a businessman, and his sense of responsibility to the country is definitely not as good as Niu Ruzheng.

Now that you are sitting in this position, you have to think more, otherwise you will have failed people's trust in the government.

Speaking of which, Niu Ruzheng was really exhausted, he had to think clearly about everything and proceed from the overall situation.

In comparison, Xiao Qi was much more relaxed.

Hearing Niu Ruzheng's promise, the central bank's hurdle has been passed, and all that is left is to enter the market with large sums of money and set up Fairy Bank outlets in China!

Thinking that the pillar of the fairy group in the future is about to take the first crucial step. According to the young man's current vision and heart, he can't help being a little excited! (to be continued ~^~)