Chapter 2603 Increase Loan Services

"What do you think is the best way to conduct the first RMB clearing pilot project?" After joking, Niu Ruzheng asked.

"I don't know about this aspect, and I have to ask experts to consider it more." Xiao Qi said, "After all, I am more familiar with the specific strategies of the country, and I don't understand that well."

"Just hide your clumsiness!" Niu Ruzheng smiled, "That's fine, lest they say you have done all their work."

Xiao Qi actually meant the same thing.

Regarding RMB settlement, it was Niu Ruzheng who asked him to talk about it, Xiao Qi only needs to reply his opinion.

As for what to do specifically, if Xiao Qi also intervenes, many people will probably be unhappy.

After all, Xiao Qi is a businessman, and it was not his original intention to intervene too much in financial currency.

As long as Huaguo's economy does not go wrong on the general path, then it will be fine.

"I'm actually inclined to try it out in India first." Niu Ruzheng said to Xiao Qi in a flat voice, "India's economic aggregate is not small, and its population is also large. Second, your Xiaoyao Mall's entry into India is also a good opportunity to This is done from scratch.”

"India is not good." Xiao Qi shook his head and said, "First, their economy is relatively backward; second, their import and export to China is not large; third, there is a lack of Chinese here to mediate and act as a lubricant."

"I understand." Niu Ruzheng asked about Xiao Qi's inclination, and then turned to another topic, "Recently, news from Pakistan came over, asking why friends from Huaguo opened Xiaoyao Mall in India, but not in Pakistan? Could it be sooner? Let Pakistan also enjoy the convenience of Xiaoyao Mall?"

"I think so, but the first goal is to set foot in India, that's a very important consideration." Xiao Qi said with a smile, "India's population is too large! A population of 1.3 billion is enough for Xiaoyao Mall to travel in a short period of time. Profit from within, let everyone see the success of Xiaoyao Mall! With the foundation of the two major markets of Huaguo and India, I have the ability to expand to other countries in Southeast Asia.”

"That's right, a population of more than 2.8 billion is naturally a lot!" Niu Ruzheng nodded. "However, after this, how to deal with the Happy Mall in Pakistan. And the relationship between Pakistan and India, then you have to worry a lot."

"No way, this is something that I, a businessman, should consider." Xiao Qi said, "Fortunately, we are all foreigners for the two countries. Therefore, we only need to uphold the advantages of honesty, low price and high quality when doing business. gone."

"If we can uphold this concept, at least within Asia, the development and growth of Xiaoyao Mall will be stable." Niu Ru said with his jaw straight.

Xiao Qi sighed: "It's a pity that the business philosophy of Europe and the United States is different from that of Asia. Moreover, it is too difficult for Huaguo's network service business to really take root in Europe and the United States, otherwise it will be like Amazon. In that way, it is not impossible to build B2C trading websites all over the world."

"Don't be greedy in doing things." Niu Ruzheng advised: "No matter how you want to develop it in the future, you must take a solid step by step now, so that there is a possibility of development in the future."

"Yes." Xiao Qi replied with a smile.

"By the way, your several factories in Pakistan are running well now?" Niu Ruzheng asked.

"Of course it's not bad. Seven or eight large and small factories have started working there one after another, employing about 400,000 workers. It has pulled the industrial chain of about 10 million workers. This is for both of us. It's a very beneficial thing." Xiao Qi said, "Their ambassador even made a special trip to Rongcheng last month, hoping to bring in more parts factories of Fairy Company!"

"That's good. Nowadays, it is an unchangeable trend for labor-intensive industries to move out of China. Instead of letting others take advantage, it is better to give it to Pakistan. At least we are good friends. The better they develop. The more beneficial it is to us." Niu Ruzheng said.

Xiao Qi is quite clear about this.

In fact, in the past two years, with the efforts of the Huaguo government. At least 20 or 30 labor-intensive industries have moved to Pakistan, solving a large number of employment problems for them and improving their national economy a lot.

"By the way, Uncle Niu, this time I come to the capital, there is still one thing I want to ask for your help, and it happens to be related to Xiaoyao Mall." Xiao Qi said seriously.

"Tell me." Niu Ruzheng said calmly.

"It's like this. You know that our Xiaoyao Mall will enter the Indian market next month, and the thousands of manufacturers of daily necessities that we have contacted are almost in place." Xiao Qi said, "But there is a problem here. It’s just that they are generally small in scale and have difficulty in working capital. However, due to their small scale, banks cannot take care of them, so I wonder if there is a solution.”

"Didn't the central bank specially approve more than 500 billion yuan as loans to small and medium-sized enterprises? Isn't that enough?" Niu Ruzheng asked.

"More than 500 billion yuan seems like a lot, but if it is distributed to more than 100,000 small and medium-sized factories in Huaguo, how much can each get?" Xiao Qi said, "What's more, this is not an equal distribution. The bigger the factory The more you get, most of the factories I’m looking for are small factories with less than 300 workers, and I’m thankful that I can get a loan of 1 million. But such a loan is okay for a while. If you want to expand production , then it’s a bit overwhelming.”

"The country can't spend more money to support them. After all, the major commercial banks have their own ideas." Niu Ruzheng said flatly.

Not only in Huaguo, commercial banks in every country like to lend money to big customers, so that there is a guarantee, and they don't need to make loans that are too cumbersome.

Therefore, in China in previous years, at least 60% of commercial loans exceeding 2 trillion a year were given to major central enterprises and large state-owned enterprises, and another 30% were given to large-scale and profitable food, real estate, steel, cement, etc. Industry, only 10% is divided into small and medium-sized enterprises and factories.

This is also an important reason why in the past few years, when the financial turmoil spread, small and medium-sized factories closed down one after another!

None of them have the ability to resist risks. When the market is a little bit bad, the capital chain is immediately tightened. Once it breaks, how do you ask them to maintain production?

This life is different. Under Xiao Qi’s reminder, last year the central bank took more than 300 billion more to distribute to small and medium-sized factories, and this year it took more than 500 billion more to small and medium-sized enterprises. The plight of enterprises, but on the other hand, the orders received by small and medium-sized enterprises continue to decrease, so many small and medium-sized enterprises are only saving their lives with money, and there is no way to develop more production.

"I think, if other commercial banks don't have enough loans for small and medium-sized factories, can Fairy Bank issue a loan to them." Xiao Qi said, "For one thing, Fairy Bank has too much accumulated funds, so it's a good idea not to go out. Second, I only provide loans for small and medium-sized factories that have orders with Xiaoyao Mall, and the amount is not large. If they can get loans of several million or tens of millions, then there is still a lot to do for their own production expansion. Stimulating the operation of raw material companies has great benefits!"

Niu Ruzheng looked at Xiao Qi and laughed.

The kid went around for a long time, and finally said his purpose.

It turned out that he wanted to take the opportunity to expand the business of Fairy Bank.

Fairy Bank's main business today is only used in conjunction with WeChat Wallet, Xiaoyao Wallet, Zifubao, etc., and is responsible for the exchange of these online funds.

Although there are hundreds of billions of RMB in circulation, the key point is that these funds cannot bring large profits to Fairy Bank.

Therefore, now that the Shangri-La community is on sale, Fairy Bank insisted on getting the Capital City to agree to let Fairy Bank do housing loans, which increased some profits.

But for Fairy Bank with such a large stall, all these profits can still be regarded as a drop in the bucket, not enough to lose half a year.

Niu Ruzheng has heard people say that Fairy Bank has a net loss of more than 3 billion in half a year, which is the largest loss among all banks.

It seems that Xiao Qi can't stand still now!

After thinking about it, Niu Ruzheng asked, "How much are you going to borrow and how many small and medium-sized factories are you going to support?"

"Not much, about 100 billion or so, involving more than 10,000 factories, of which factories with less than 300 employees accounted for the majority." Xiao Qi replied clearly.

"There are so many types of products in Xiaoyao Mall?"

"No, if a product sells well, then I will place an order with several other factories of the same type and ask them to make this product." Xiao Qi explained, "This will increase their responsibilities. They can also supervise each other's quality, so that after a product is monopolized, the production and quality control gradually become careless."

"That's right." Niu Ruzheng nodded, "This is the biggest problem of state-owned enterprises, so we intend to diversify their market."

Xiao Qi refrained from opening his mouth. Even if a new company is launched, it is still a state-owned enterprise, and there are still many disadvantages!

But it was not Xiao Qi's turn to intervene in this matter, so he naturally did not talk about it.

After pondering for a while, Niu Ruzheng said: "Well, Xiaoyao Mall is about to enter India. This is also a good reason. I will ask the Central Bank for approval, but the funds can only be distributed to Xiaoyao Mall and Xiaoyao Mall. Business-related companies and factories, can they do it?"

"I promise that there will be no additional loans." Xiao Qi said, "The main business of Fairy Bank will still be on internet finance."

"That's good. It's not that Uncle Niu doesn't want to help you more. It's just that the time has not come in two years." Niu Ruzheng said, "Wait for another two years. It is estimated that at that time, private capital joint-stock banks will also raise money." It's on the agenda!"

"I know!" (to be continued ~^~)